Call reports 2015
UNITED COMMUNITY BANK — 2015
What UNITED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,074,945,000 | 1,072,102,000 | 989,356,000 | 1,003,316,000 |
| Total loans | 608,411,000 | 627,062,000 | 584,378,000 | 597,185,000 |
| Allowance for loan losses | 6,919,000 | 7,094,000 | 7,044,000 | 7,354,000 |
| Securities available for sale | 332,861,000 | 321,962,000 | 288,068,000 | 309,754,000 |
| Securities held to maturity | 1,046,000 | 1,046,000 | 1,046,000 | 1,045,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 916,044,000 | 912,959,000 | 834,524,000 | 836,231,000 |
| Interest-bearing deposits | 731,833,000 | 733,451,000 | 670,331,000 | 654,207,000 |
| Noninterest-bearing deposits | 184,211,000 | 179,508,000 | 164,193,000 | 182,024,000 |
| Equity capital | 110,403,000 | 110,740,000 | 106,731,000 | 108,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,366,000 | 16,865,000 | 23,272,000 | 31,030,000 |
| Interest expense | 1,003,000 | 1,949,000 | 2,696,000 | 3,509,000 |
| Net interest income | 7,363,000 | 14,916,000 | 20,576,000 | 27,521,000 |
| Noninterest income | 3,114,000 | 6,559,000 | 9,981,000 | 13,336,000 |
| Noninterest expense | 6,658,000 | 13,751,000 | 20,166,000 | 27,364,000 |
| Provision for loan losses | 172,000 | 354,000 | 574,000 | 818,000 |
| Pretax income | 4,170,000 | 7,893,000 | 12,665,000 | 16,417,000 |
| Income tax | 71,000 | 128,000 | 184,000 | 241,000 |
| Net income | 4,099,000 | 7,765,000 | 12,481,000 | 16,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,762,000 | 95,880,000 | 96,422,000 | 100,147,000 |
| Total capital | 101,248,000 | 103,541,000 | 104,033,000 | 108,068,000 |
| Risk-weighted assets | 647,984,000 | 693,739,000 | 654,239,000 | 671,858,000 |