Call reports 2004
UNITED COMMUNITY BANK — 2004
What UNITED COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 36,505,000 | 34,537,000 |
| Total loans | 26,524,000 | 24,916,000 |
| Allowance for loan losses | 957,000 | 951,000 |
| Securities available for sale | 4,634,000 | 4,535,000 |
| Securities held to maturity | 340,000 | 200,000 |
| Trading assets | 0 | 0 |
| Total deposits | 30,821,000 | 28,934,000 |
| Interest-bearing deposits | 25,739,000 | 23,776,000 |
| Noninterest-bearing deposits | 5,082,000 | 5,158,000 |
| Equity capital | 2,811,000 | 2,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Interest income | 599,000 | 1,161,000 |
| Interest expense | 155,000 | 293,000 |
| Net interest income | 444,000 | 868,000 |
| Noninterest income | 78,000 | 180,000 |
| Noninterest expense | 508,000 | 1,037,000 |
| Provision for loan losses | 23,000 | 23,000 |
| Pretax income | -9,000 | -9,000 |
| Income tax | 0 | 0 |
| Net income | -9,000 | -9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 2,388,000 | 2,354,000 |
| Total capital | 2,701,000 | 2,651,000 |
| Risk-weighted assets | 24,394,000 | 23,098,000 |
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