Call reports 2003
UNITED COMMUNITY BANK — 2003
What UNITED COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,238,000 | 40,931,000 | 40,512,000 | 38,061,000 |
| Total loans | 28,063,000 | 28,161,000 | 28,481,000 | 28,035,000 |
| Allowance for loan losses | 341,000 | 412,000 | 793,000 | 952,000 |
| Securities available for sale | 6,326,000 | 6,774,000 | 6,158,000 | 4,798,000 |
| Securities held to maturity | 440,000 | 440,000 | 440,000 | 340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,853,000 | 31,445,000 | 32,028,000 | 32,237,000 |
| Interest-bearing deposits | 22,855,000 | 26,335,000 | 26,721,000 | 26,801,000 |
| Noninterest-bearing deposits | 4,998,000 | 5,110,000 | 5,307,000 | 5,436,000 |
| Equity capital | 3,706,000 | 3,107,000 | 2,852,000 | 2,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 716,000 | 1,413,000 | 2,022,000 | 2,672,000 |
| Interest expense | 207,000 | 426,000 | 605,000 | 774,000 |
| Net interest income | 509,000 | 987,000 | 1,417,000 | 1,898,000 |
| Noninterest income | 83,000 | 162,000 | 312,000 | 395,000 |
| Noninterest expense | 529,000 | 1,203,000 | 1,639,000 | 2,140,000 |
| Provision for loan losses | 41,000 | 704,000 | 1,044,000 | 1,354,000 |
| Pretax income | 22,000 | -758,000 | -954,000 | -1,195,000 |
| Income tax | -3,000 | -224,000 | -224,000 | -432,000 |
| Net income | 25,000 | -534,000 | -730,000 | -763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,569,000 | 3,009,000 | 2,567,000 | 2,391,000 |
| Total capital | 3,907,000 | 3,356,000 | 2,912,000 | 2,721,000 |
| Risk-weighted assets | 27,054,000 | 27,671,000 | 27,144,000 | 25,759,000 |
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