Call reports 2016
UNITED COMMUNITY BANK — 2016
What UNITED COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,016,141,000 | 1,052,893,000 | 1,064,110,000 | 1,422,581,000 |
| Total loans | 586,886,000 | 625,638,000 | 685,287,000 | 964,984,000 |
| Allowance for loan losses | 7,233,000 | 7,185,000 | 7,181,000 | 11,001,000 |
| Securities available for sale | 308,914,000 | 289,884,000 | 299,005,000 | 347,305,000 |
| Securities held to maturity | 945,000 | 890,000 | 890,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 867,409,000 | 904,607,000 | 900,095,000 | 1,179,453,000 |
| Interest-bearing deposits | 679,969,000 | 700,576,000 | 716,303,000 | 920,052,000 |
| Noninterest-bearing deposits | 187,440,000 | 204,031,000 | 183,792,000 | 259,401,000 |
| Equity capital | 100,660,000 | 100,315,000 | 100,445,000 | 126,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,692,000 | 15,567,000 | 23,627,000 | 43,793,000 |
| Interest expense | 791,000 | 1,576,000 | 2,379,000 | 4,758,000 |
| Net interest income | 6,901,000 | 13,991,000 | 21,248,000 | 39,035,000 |
| Noninterest income | 3,333,000 | 6,895,000 | 10,014,000 | 15,900,000 |
| Noninterest expense | 6,873,000 | 14,001,000 | 21,560,000 | 35,398,000 |
| Provision for loan losses | 9,000 | 387,000 | 755,000 | 1,555,000 |
| Pretax income | 3,776,000 | 7,628,000 | 10,231,000 | 19,510,000 |
| Income tax | 81,000 | 133,000 | 182,000 | 313,000 |
| Net income | 3,695,000 | 7,495,000 | 10,049,000 | 19,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,830,000 | 88,785,000 | 89,658,000 | 118,689,000 |
| Total capital | 98,562,000 | 96,469,000 | 97,338,000 | 130,204,000 |
| Risk-weighted assets | 676,596,000 | 704,478,000 | 774,725,000 | 1,074,311,000 |