Call reports 2013
UNITED COMMUNITY BANK — 2013
What UNITED COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 94,730,000 | 96,450,000 | 96,658,000 | 104,421,000 |
| Total loans | 59,211,000 | 62,040,000 | 61,611,000 | 63,349,000 |
| Allowance for loan losses | 998,000 | 963,000 | 964,000 | 950,000 |
| Securities available for sale | 16,018,000 | 14,924,000 | 15,165,000 | 14,518,000 |
| Securities held to maturity | 625,000 | 625,000 | 625,000 | 625,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,706,000 | 85,191,000 | 85,242,000 | 93,134,000 |
| Interest-bearing deposits | 73,665,000 | 74,979,000 | 74,515,000 | 80,383,000 |
| Noninterest-bearing deposits | 10,041,000 | 10,212,000 | 10,727,000 | 12,751,000 |
| Equity capital | 8,736,000 | 8,875,000 | 8,959,000 | 9,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,735,000 | 2,622,000 | 3,522,000 |
| Interest expense | 129,000 | 251,000 | 372,000 | 496,000 |
| Net interest income | 716,000 | 1,484,000 | 2,250,000 | 3,026,000 |
| Noninterest income | 224,000 | 468,000 | 652,000 | 819,000 |
| Noninterest expense | 654,000 | 1,315,000 | 1,949,000 | 2,609,000 |
| Provision for loan losses | 0 | 0 | 0 | 134,000 |
| Pretax income | 286,000 | 637,000 | 953,000 | 1,102,000 |
| Income tax | 82,000 | 188,000 | 281,000 | 313,000 |
| Net income | 204,000 | 449,000 | 672,000 | 789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,669,000 | 8,914,000 | 8,987,000 | 9,104,000 |
| Total capital | 9,416,000 | 9,686,000 | 9,777,000 | 9,916,000 |
| Risk-weighted assets | 59,546,000 | 61,575,000 | 63,044,000 | 64,801,000 |
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