Call reports 2020
UNITED COMMUNITY BANK — 2020
What UNITED COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,691,111,000 | 2,964,193,000 | 2,999,572,000 | 3,181,671,000 |
| Total loans | 1,526,992,000 | 1,701,316,000 | 1,766,373,000 | 1,771,849,000 |
| Allowance for loan losses | 16,613,000 | 18,522,000 | 21,958,000 | 22,362,000 |
| Securities available for sale | 701,118,000 | 756,658,000 | 821,376,000 | 871,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,235,168,000 | 2,450,537,000 | 2,491,516,000 | 2,643,931,000 |
| Interest-bearing deposits | 1,747,182,000 | 1,885,496,000 | 1,937,655,000 | 2,008,745,000 |
| Noninterest-bearing deposits | 487,986,000 | 565,041,000 | 553,861,000 | 635,186,000 |
| Equity capital | 276,671,000 | 294,845,000 | 299,139,000 | 311,575,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 23,313,000 | 44,261,000 | 65,567,000 | 88,323,000 |
| Interest expense | 4,781,000 | 8,839,000 | 12,350,000 | 15,582,000 |
| Net interest income | 18,532,000 | 35,422,000 | 53,217,000 | 72,741,000 |
| Noninterest income | 6,306,000 | 14,466,000 | 24,045,000 | 34,130,000 |
| Noninterest expense | 15,584,000 | 31,382,000 | 47,171,000 | 64,038,000 |
| Provision for loan losses | 1,325,000 | 3,385,000 | 8,921,000 | 9,386,000 |
| Pretax income | 8,271,000 | 15,464,000 | 21,650,000 | 34,020,000 |
| Income tax | 2,105,000 | 3,814,000 | 6,429,000 | 6,529,000 |
| Net income | 6,166,000 | 11,650,000 | 15,221,000 | 27,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 241,759,000 | 248,344,000 | 252,390,000 | 263,830,000 |
| Total capital | 259,303,000 | 267,812,000 | 275,309,000 | 287,136,000 |
| Risk-weighted assets | 1,827,632,000 | 1,851,844,000 | 1,914,581,000 | 1,976,045,000 |