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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 465,517,000 | 483,878,000 | 490,448,000 | 482,120,000 |
| Total loans | 244,395,000 | 258,649,000 | 268,221,000 | 275,268,000 |
| Allowance for loan losses | 2,861,000 | 2,881,000 | 2,829,000 | 2,940,000 |
| Securities available for sale | 183,993,000 | 190,911,000 | 167,389,000 | 150,726,000 |
| Securities held to maturity | 3,228,000 | 3,227,000 | 3,228,000 | 9,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,329,000 | 401,071,000 | 414,361,000 | 404,810,000 |
| Interest-bearing deposits | 341,031,000 | 355,318,000 | 368,525,000 | 353,704,000 |
| Noninterest-bearing deposits | 49,298,000 | 45,753,000 | 45,836,000 | 51,106,000 |
| Equity capital | 48,798,000 | 46,589,000 | 49,881,000 | 50,874,000 |
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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,528,000 | 11,217,000 | 16,930,000 | 22,693,000 |
| Interest expense | 2,196,000 | 4,356,000 | 6,646,000 | 9,046,000 |
| Net interest income | 3,332,000 | 6,861,000 | 10,284,000 | 13,647,000 |
| Noninterest income | 1,416,000 | 2,925,000 | 4,352,000 | 5,743,000 |
| Noninterest expense | 2,533,000 | 5,032,000 | 7,798,000 | 10,615,000 |
| Provision for loan losses | 182,000 | 363,000 | 545,000 | 726,000 |
| Pretax income | 2,033,000 | 4,391,000 | 6,293,000 | 8,049,000 |
| Income tax | 42,000 | 45,000 | 50,000 | 64,000 |
| Net income | 1,991,000 | 4,346,000 | 6,243,000 | 7,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,602,000 | 47,354,000 | 49,093,000 | 50,841,000 |
| Total capital | 49,463,000 | 50,235,000 | 51,922,000 | 53,781,000 |
| Risk-weighted assets | 255,176,000 | 270,047,000 | 282,136,000 | 286,257,000 |
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