Call reports 2021
UNITED COMMUNITY BANK — 2021
What UNITED COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,335,726,000 | 3,385,772,000 | 3,437,415,000 | 3,479,391,000 |
| Total loans | 1,765,924,000 | 1,693,410,000 | 1,688,031,000 | 1,750,767,000 |
| Allowance for loan losses | 22,299,000 | 20,717,000 | 20,704,000 | 20,464,000 |
| Securities available for sale | 906,712,000 | 967,467,000 | 1,018,173,000 | 1,014,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,816,172,000 | 2,860,132,000 | 2,903,164,000 | 3,012,176,000 |
| Interest-bearing deposits | 2,128,780,000 | 2,177,229,000 | 2,243,716,000 | 2,260,749,000 |
| Noninterest-bearing deposits | 687,392,000 | 682,903,000 | 659,448,000 | 751,427,000 |
| Equity capital | 309,624,000 | 320,591,000 | 320,967,000 | 311,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 21,314,000 | 42,552,000 | 64,492,000 | 85,301,000 |
| Interest expense | 2,900,000 | 5,725,000 | 8,411,000 | 10,895,000 |
| Net interest income | 18,414,000 | 36,827,000 | 56,081,000 | 74,406,000 |
| Noninterest income | 8,610,000 | 17,848,000 | 26,003,000 | 34,455,000 |
| Noninterest expense | 16,031,000 | 32,453,000 | 48,541,000 | 68,279,000 |
| Provision for loan losses | 28,000 | -1,519,000 | -1,519,000 | -1,519,000 |
| Pretax income | 10,965,000 | 23,906,000 | 35,227,000 | 42,266,000 |
| Income tax | 2,382,000 | 4,637,000 | 6,982,000 | 8,128,000 |
| Net income | 8,583,000 | 19,269,000 | 28,245,000 | 34,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 271,946,000 | 283,077,000 | 284,602,000 | 279,900,000 |
| Total capital | 295,234,000 | 304,796,000 | 306,323,000 | 301,396,000 |
| Risk-weighted assets | 1,978,048,000 | 1,944,492,000 | 1,958,084,000 | 2,020,584,000 |