Call reports 2002
UNITED COMMUNITY BANK — 2002
What UNITED COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,125,000 | 43,462,000 | 42,740,000 | 42,613,000 |
| Total loans | 31,081,000 | 30,309,000 | 30,249,000 | 29,143,000 |
| Allowance for loan losses | 414,000 | 399,000 | 378,000 | 366,000 |
| Securities available for sale | 8,037,000 | 7,849,000 | 7,007,000 | 6,959,000 |
| Securities held to maturity | 955,000 | 805,000 | 805,000 | 540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,499,000 | 32,843,000 | 30,198,000 | 30,361,000 |
| Interest-bearing deposits | 29,913,000 | 27,503,000 | 24,925,000 | 24,400,000 |
| Noninterest-bearing deposits | 5,586,000 | 5,340,000 | 5,273,000 | 5,960,000 |
| Equity capital | 3,475,000 | 3,705,000 | 3,809,000 | 3,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,832,000 | 2,663,000 | 3,392,000 |
| Interest expense | 311,000 | 588,000 | 836,000 | 1,078,000 |
| Net interest income | 625,000 | 1,244,000 | 1,827,000 | 2,314,000 |
| Noninterest income | 101,000 | 203,000 | 281,000 | 441,000 |
| Noninterest expense | 565,000 | 1,121,000 | 1,611,000 | 2,157,000 |
| Provision for loan losses | 10,000 | 28,000 | 113,000 | 318,000 |
| Pretax income | 151,000 | 298,000 | 384,000 | 280,000 |
| Income tax | 24,000 | 39,000 | 39,000 | 52,000 |
| Net income | 127,000 | 259,000 | 345,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,441,000 | 3,573,000 | 3,659,000 | 3,543,000 |
| Total capital | 3,818,000 | 3,931,000 | 4,018,000 | 3,903,000 |
| Risk-weighted assets | 30,149,000 | 28,678,000 | 28,678,000 | 28,776,000 |
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