Call reports 2014
UNITED COMMUNITY BANK — 2014
What UNITED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,070,120,000 | 1,057,712,000 | 1,041,142,000 | 1,090,048,000 |
| Total loans | 616,283,000 | 599,707,000 | 619,821,000 | 631,711,000 |
| Allowance for loan losses | 7,355,000 | 7,256,000 | 7,255,000 | 7,005,000 |
| Securities available for sale | 307,804,000 | 309,669,000 | 331,930,000 | 336,725,000 |
| Securities held to maturity | 1,148,000 | 1,147,000 | 1,147,000 | 1,147,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 906,423,000 | 902,259,000 | 892,880,000 | 916,486,000 |
| Interest-bearing deposits | 738,533,000 | 739,282,000 | 735,510,000 | 737,956,000 |
| Noninterest-bearing deposits | 167,890,000 | 162,977,000 | 157,370,000 | 178,530,000 |
| Equity capital | 95,709,000 | 99,464,000 | 102,414,000 | 105,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,817,000 | 17,890,000 | 26,209,000 | 34,926,000 |
| Interest expense | 1,388,000 | 2,520,000 | 3,567,000 | 4,608,000 |
| Net interest income | 7,429,000 | 15,370,000 | 22,642,000 | 30,318,000 |
| Noninterest income | 2,801,000 | 5,918,000 | 9,011,000 | 12,086,000 |
| Noninterest expense | 6,681,000 | 13,226,000 | 19,734,000 | 26,774,000 |
| Provision for loan losses | 488,000 | 560,000 | 713,000 | 757,000 |
| Pretax income | 3,061,000 | 7,509,000 | 11,213,000 | 14,880,000 |
| Income tax | 64,000 | 127,000 | 191,000 | 258,000 |
| Net income | 2,997,000 | 7,382,000 | 11,022,000 | 14,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,406,000 | 82,724,000 | 85,187,000 | 87,362,000 |
| Total capital | 87,252,000 | 90,547,000 | 93,009,000 | 94,934,000 |
| Risk-weighted assets | 627,535,000 | 626,650,000 | 644,262,000 | 659,145,000 |