Call reports 2016
UNITED COMMUNITY BANK — 2016
What UNITED COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 160,239,000 | 163,232,000 | 165,562,000 | 177,419,000 |
| Total loans | 131,941,000 | 134,248,000 | 133,358,000 | 140,130,000 |
| Allowance for loan losses | 2,767,000 | 2,714,000 | 2,787,000 | 1,847,000 |
| Securities available for sale | 13,814,000 | 12,923,000 | 12,967,000 | 12,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,272,000 | 139,129,000 | 143,457,000 | 154,808,000 |
| Interest-bearing deposits | 118,307,000 | 114,162,000 | 118,004,000 | 126,747,000 |
| Noninterest-bearing deposits | 21,965,000 | 24,967,000 | 25,453,000 | 28,061,000 |
| Equity capital | 19,756,000 | 19,798,000 | 19,741,000 | 20,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,185,000 | 4,742,000 | 6,322,000 |
| Interest expense | 109,000 | 213,000 | 321,000 | 431,000 |
| Net interest income | 1,467,000 | 2,972,000 | 4,421,000 | 5,891,000 |
| Noninterest income | 224,000 | 446,000 | 710,000 | 949,000 |
| Noninterest expense | 998,000 | 1,999,000 | 3,043,000 | 4,067,000 |
| Provision for loan losses | 0 | 0 | 0 | -850,000 |
| Pretax income | 693,000 | 1,419,000 | 2,088,000 | 3,623,000 |
| Income tax | 232,000 | 477,000 | 701,000 | 1,255,000 |
| Net income | 461,000 | 942,000 | 1,387,000 | 2,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,727,000 | 19,749,000 | 19,708,000 | 20,239,000 |
| Total capital | 21,394,000 | 21,453,000 | 21,445,000 | 22,086,000 |
| Risk-weighted assets | 132,329,000 | 135,276,000 | 137,897,000 | 147,928,000 |