Call reports 2007
UNITED COMMUNITY BANK — 2007
What UNITED COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 605,138,000 | 618,969,000 | 625,430,000 | 611,447,000 |
| Total loans | 399,986,000 | 417,546,000 | 437,309,000 | 444,393,000 |
| Allowance for loan losses | 4,159,000 | 4,191,000 | 4,023,000 | 4,085,000 |
| Securities available for sale | 115,191,000 | 111,195,000 | 108,620,000 | 99,393,000 |
| Securities held to maturity | 40,200,000 | 35,206,000 | 28,204,000 | 27,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,210,000 | 517,540,000 | 510,686,000 | 488,095,000 |
| Interest-bearing deposits | 430,716,000 | 449,915,000 | 446,577,000 | 418,258,000 |
| Noninterest-bearing deposits | 70,494,000 | 67,625,000 | 64,109,000 | 69,837,000 |
| Equity capital | 60,883,000 | 60,880,000 | 63,753,000 | 66,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,009,000 | 18,097,000 | 27,400,000 | 37,058,000 |
| Interest expense | 4,798,000 | 9,550,000 | 14,602,000 | 19,565,000 |
| Net interest income | 4,211,000 | 8,547,000 | 12,798,000 | 17,493,000 |
| Noninterest income | 1,463,000 | 3,188,000 | 4,977,000 | 6,880,000 |
| Noninterest expense | 3,213,000 | 6,411,000 | 9,524,000 | 13,164,000 |
| Provision for loan losses | 111,000 | 213,000 | 418,000 | 718,000 |
| Pretax income | 2,350,000 | 5,101,000 | 7,763,000 | 10,461,000 |
| Income tax | 17,000 | 0 | 0 | -95,000 |
| Net income | 2,333,000 | 5,101,000 | 7,763,000 | 10,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,264,000 | 61,374,000 | 62,433,000 | 63,896,000 |
| Total capital | 64,423,000 | 65,565,000 | 66,456,000 | 67,981,000 |
| Risk-weighted assets | 427,775,000 | 455,474,000 | 476,049,000 | 476,028,000 |
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