Call reports 2023
UNITED COMMUNITY BANK — 2023
What UNITED COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,385,478,000 | 3,336,148,000 | 3,431,357,000 | 3,492,867,000 |
| Total loans | 1,911,471,000 | 1,955,355,000 | 2,001,839,000 | 2,082,667,000 |
| Allowance for loan losses | 23,010,000 | 24,372,000 | 24,525,000 | 24,235,000 |
| Securities available for sale | 794,102,000 | 776,337,000 | 742,392,000 | 660,185,000 |
| Securities held to maturity | 325,350,000 | 322,146,000 | 318,798,000 | 315,758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,982,093,000 | 2,903,962,000 | 2,927,244,000 | 3,013,487,000 |
| Interest-bearing deposits | 2,239,258,000 | 2,222,059,000 | 2,271,946,000 | 2,359,783,000 |
| Noninterest-bearing deposits | 742,835,000 | 681,903,000 | 655,298,000 | 653,704,000 |
| Equity capital | 297,402,000 | 295,586,000 | 282,047,000 | 313,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 31,855,000 | 65,374,000 | 100,557,000 | 138,219,000 |
| Interest expense | 6,598,000 | 15,340,000 | 26,605,000 | 41,510,000 |
| Net interest income | 25,257,000 | 50,034,000 | 73,952,000 | 96,709,000 |
| Noninterest income | 6,661,000 | 13,823,000 | 21,305,000 | 27,999,000 |
| Noninterest expense | 15,985,000 | 32,983,000 | 50,289,000 | 68,502,000 |
| Provision for loan losses | 581,000 | 1,971,000 | 2,135,000 | 2,593,000 |
| Pretax income | 15,345,000 | 29,978,000 | 43,173,000 | 47,626,000 |
| Income tax | 3,356,000 | 6,304,000 | 9,083,000 | 11,102,000 |
| Net income | 11,989,000 | 23,674,000 | 34,090,000 | 36,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 304,973,000 | 309,452,000 | 314,966,000 | 317,507,000 |
| Total capital | 332,045,000 | 336,804,000 | 343,206,000 | 345,812,000 |
| Risk-weighted assets | 2,300,917,000 | 2,373,601,000 | 2,443,065,000 | 2,485,046,000 |