Call reports 2008
UNITED COMMUNITY BANK — 2008
What UNITED COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 589,366,000 | 717,089,000 | 756,311,000 | 791,055,000 |
| Total loans | 440,757,000 | 453,180,000 | 462,659,000 | 458,243,000 |
| Allowance for loan losses | 3,140,000 | 3,507,000 | 3,557,000 | 3,828,000 |
| Securities available for sale | 74,953,000 | 187,418,000 | 219,308,000 | 229,565,000 |
| Securities held to maturity | 24,528,000 | 21,543,000 | 21,534,000 | 19,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,295,000 | 483,878,000 | 527,286,000 | 553,986,000 |
| Interest-bearing deposits | 388,691,000 | 409,735,000 | 456,406,000 | 471,184,000 |
| Noninterest-bearing deposits | 77,604,000 | 74,143,000 | 70,880,000 | 82,802,000 |
| Equity capital | 69,299,000 | 66,216,000 | 70,268,000 | 76,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,106,000 | 18,607,000 | 28,998,000 | 39,323,000 |
| Interest expense | 3,982,000 | 7,891,000 | 12,237,000 | 16,467,000 |
| Net interest income | 5,124,000 | 10,716,000 | 16,761,000 | 22,856,000 |
| Noninterest income | 1,787,000 | 3,526,000 | 5,360,000 | 6,893,000 |
| Noninterest expense | 3,473,000 | 6,987,000 | 10,574,000 | 14,257,000 |
| Provision for loan losses | 300,000 | 750,000 | 1,250,000 | 2,000,000 |
| Pretax income | 3,207,000 | 6,574,000 | 10,366,000 | 13,561,000 |
| Income tax | 19,000 | 40,000 | 117,000 | 142,000 |
| Net income | 3,188,000 | 6,534,000 | 10,249,000 | 13,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,909,000 | 67,562,000 | 69,448,000 | 69,760,000 |
| Total capital | 70,049,000 | 71,069,000 | 73,005,000 | 73,588,000 |
| Risk-weighted assets | 464,378,000 | 504,423,000 | 502,929,000 | 520,716,000 |
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