Call reports 2009
UNITED COMMUNITY BANK — 2009
What UNITED COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 768,203,000 | 773,906,000 | 834,938,000 | 847,945,000 |
| Total loans | 423,774,000 | 463,719,000 | 474,151,000 | 516,828,000 |
| Allowance for loan losses | 4,476,000 | 5,150,000 | 5,121,000 | 5,980,000 |
| Securities available for sale | 247,135,000 | 243,903,000 | 287,931,000 | 265,016,000 |
| Securities held to maturity | 19,008,000 | 14,334,000 | 14,328,000 | 14,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,066,000 | 555,136,000 | 614,975,000 | 623,070,000 |
| Interest-bearing deposits | 455,601,000 | 470,985,000 | 536,688,000 | 521,872,000 |
| Noninterest-bearing deposits | 89,465,000 | 84,151,000 | 78,287,000 | 101,198,000 |
| Equity capital | 71,306,000 | 70,069,000 | 76,595,000 | 75,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,593,000 | 19,033,000 | 28,689,000 | 39,623,000 |
| Interest expense | 3,504,000 | 6,945,000 | 10,178,000 | 13,390,000 |
| Net interest income | 6,089,000 | 12,088,000 | 18,511,000 | 26,233,000 |
| Noninterest income | 2,970,000 | 6,192,000 | 7,794,000 | 9,505,000 |
| Noninterest expense | 4,035,000 | 8,335,000 | 12,492,000 | 17,299,000 |
| Provision for loan losses | 798,000 | 1,612,000 | 2,028,000 | 3,167,000 |
| Pretax income | 4,226,000 | 8,166,000 | 11,618,000 | 15,114,000 |
| Income tax | 23,000 | 75,000 | 104,000 | 185,000 |
| Net income | 4,203,000 | 8,091,000 | 11,514,000 | 14,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,142,000 | 64,439,000 | 65,917,000 | 67,840,000 |
| Total capital | 68,618,000 | 69,589,000 | 71,038,000 | 73,820,000 |
| Risk-weighted assets | 469,390,000 | 481,014,000 | 526,515,000 | 532,127,000 |
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