Call reports 2012
UNITED COMMUNITY BANK — 2012
What UNITED COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,380,000 | 93,037,000 | 92,861,000 | 98,823,000 |
| Total loans | 57,548,000 | 58,278,000 | 56,298,000 | 58,870,000 |
| Allowance for loan losses | 910,000 | 901,000 | 862,000 | 1,030,000 |
| Securities available for sale | 17,064,000 | 18,340,000 | 16,664,000 | 14,952,000 |
| Securities held to maturity | 799,000 | 800,000 | 800,000 | 800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,520,000 | 80,921,000 | 81,603,000 | 88,022,000 |
| Interest-bearing deposits | 75,629,000 | 70,591,000 | 71,058,000 | 75,398,000 |
| Noninterest-bearing deposits | 10,891,000 | 10,330,000 | 10,545,000 | 12,624,000 |
| Equity capital | 8,186,000 | 8,514,000 | 8,769,000 | 8,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 912,000 | 1,822,000 | 2,737,000 | 3,602,000 |
| Interest expense | 152,000 | 289,000 | 424,000 | 556,000 |
| Net interest income | 760,000 | 1,533,000 | 2,313,000 | 3,046,000 |
| Noninterest income | 276,000 | 616,000 | 896,000 | 1,254,000 |
| Noninterest expense | 642,000 | 1,249,000 | 1,868,000 | 2,578,000 |
| Provision for loan losses | 157,000 | 157,000 | 306,000 | 597,000 |
| Pretax income | 237,000 | 787,000 | 1,096,000 | 1,186,000 |
| Income tax | 70,000 | 256,000 | 349,000 | 361,000 |
| Net income | 167,000 | 531,000 | 747,000 | 825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,106,000 | 8,471,000 | 8,687,000 | 8,465,000 |
| Total capital | 8,827,000 | 9,216,000 | 9,411,000 | 9,208,000 |
| Risk-weighted assets | 57,493,000 | 59,468,000 | 57,812,000 | 59,134,000 |
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