Call reports 2013
UNITED COMMUNITY BANK — 2013
What UNITED COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 956,739,000 | 939,411,000 | 944,003,000 | 1,045,638,000 |
| Total loans | 532,763,000 | 525,276,000 | 519,121,000 | 626,378,000 |
| Allowance for loan losses | 7,364,000 | 7,186,000 | 6,960,000 | 6,982,000 |
| Securities available for sale | 249,623,000 | 307,442,000 | 329,375,000 | 322,062,000 |
| Securities held to maturity | 6,321,000 | 1,320,000 | 1,148,000 | 1,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 759,826,000 | 763,896,000 | 779,411,000 | 898,852,000 |
| Interest-bearing deposits | 605,652,000 | 614,455,000 | 633,917,000 | 738,748,000 |
| Noninterest-bearing deposits | 154,174,000 | 149,441,000 | 145,494,000 | 160,104,000 |
| Equity capital | 122,128,000 | 110,126,000 | 109,093,000 | 91,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,766,000 | 16,291,000 | 23,561,000 | 31,865,000 |
| Interest expense | 1,605,000 | 3,091,000 | 4,380,000 | 5,785,000 |
| Net interest income | 6,161,000 | 13,200,000 | 19,181,000 | 26,080,000 |
| Noninterest income | 2,776,000 | 6,112,000 | 8,877,000 | 12,491,000 |
| Noninterest expense | 5,730,000 | 12,014,000 | 17,683,000 | 24,684,000 |
| Provision for loan losses | 152,000 | 82,000 | 82,000 | 437,000 |
| Pretax income | 5,283,000 | 9,781,000 | 13,015,000 | 16,461,000 |
| Income tax | 73,000 | 198,000 | 293,000 | 388,000 |
| Net income | 5,210,000 | 9,583,000 | 12,722,000 | 16,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,402,000 | 99,969,000 | 100,170,000 | 76,287,000 |
| Total capital | 113,338,000 | 106,845,000 | 107,009,000 | 83,885,000 |
| Risk-weighted assets | 554,455,000 | 549,190,000 | 546,359,000 | 650,530,000 |