Call reports 2006
UNITED COMMUNITY BANK — 2006
What UNITED COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 598,901,000 | 601,544,000 | 600,876,000 | 603,093,000 |
| Total loans | 379,407,000 | 392,550,000 | 398,008,000 | 405,114,000 |
| Allowance for loan losses | 3,995,000 | 4,001,000 | 3,983,000 | 4,091,000 |
| Securities available for sale | 124,546,000 | 119,673,000 | 115,535,000 | 114,579,000 |
| Securities held to maturity | 56,309,000 | 51,078,000 | 48,308,000 | 48,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,033,000 | 504,011,000 | 499,774,000 | 484,193,000 |
| Interest-bearing deposits | 422,864,000 | 436,039,000 | 439,466,000 | 418,694,000 |
| Noninterest-bearing deposits | 66,169,000 | 67,972,000 | 60,308,000 | 65,499,000 |
| Equity capital | 58,058,000 | 56,656,000 | 59,656,000 | 61,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,954,000 | 16,484,000 | 25,324,000 | 34,298,000 |
| Interest expense | 4,084,000 | 8,442,000 | 13,132,000 | 17,974,000 |
| Net interest income | 3,870,000 | 8,042,000 | 12,192,000 | 16,324,000 |
| Noninterest income | 1,411,000 | 2,988,000 | 4,633,000 | 6,146,000 |
| Noninterest expense | 3,077,000 | 6,252,000 | 9,384,000 | 12,551,000 |
| Provision for loan losses | 134,000 | 177,000 | 178,000 | 352,000 |
| Pretax income | 2,070,000 | 4,594,000 | 7,261,000 | 9,565,000 |
| Income tax | 16,000 | 34,000 | 53,000 | 69,000 |
| Net income | 2,054,000 | 4,560,000 | 7,208,000 | 9,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,487,000 | 58,166,000 | 59,371,000 | 60,814,000 |
| Total capital | 62,482,000 | 62,167,000 | 63,354,000 | 64,905,000 |
| Risk-weighted assets | 399,173,000 | 412,825,000 | 416,102,000 | 425,990,000 |
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