Call reports 2014
UNITED COMMUNITY BANK — 2014
What UNITED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 100,570,000 | 97,572,000 | 99,875,000 | 105,574,000 |
| Total loans | 61,368,000 | 62,981,000 | 62,696,000 | 65,648,000 |
| Allowance for loan losses | 951,000 | 779,000 | 744,000 | 823,000 |
| Securities available for sale | 16,690,000 | 16,424,000 | 15,991,000 | 14,614,000 |
| Securities held to maturity | 445,000 | 445,000 | 445,000 | 445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,021,000 | 85,713,000 | 87,711,000 | 93,402,000 |
| Interest-bearing deposits | 78,495,000 | 73,821,000 | 75,764,000 | 79,381,000 |
| Noninterest-bearing deposits | 10,526,000 | 11,892,000 | 11,947,000 | 14,021,000 |
| Equity capital | 9,272,000 | 9,508,000 | 9,739,000 | 9,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 866,000 | 1,730,000 | 2,600,000 | 3,470,000 |
| Interest expense | 125,000 | 227,000 | 321,000 | 414,000 |
| Net interest income | 741,000 | 1,503,000 | 2,279,000 | 3,056,000 |
| Noninterest income | 182,000 | 361,000 | 602,000 | 765,000 |
| Noninterest expense | 680,000 | 1,344,000 | 2,021,000 | 2,642,000 |
| Provision for loan losses | 0 | 0 | 0 | 69,000 |
| Pretax income | 243,000 | 520,000 | 860,000 | 1,110,000 |
| Income tax | 66,000 | 145,000 | 246,000 | 314,000 |
| Net income | 177,000 | 375,000 | 614,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,281,000 | 9,479,000 | 9,718,000 | 9,891,000 |
| Total capital | 10,069,000 | 10,258,000 | 10,462,000 | 10,714,000 |
| Risk-weighted assets | 62,913,000 | 65,186,000 | 63,989,000 | 65,875,000 |
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