Call reports 2001
UNITED COMMUNITIES NATIONAL BANK — 2001
What UNITED COMMUNITIES NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 81,495,000 | 81,324,000 | 81,080,000 | 80,847,000 |
| Total loans | 63,693,000 | 64,047,000 | 64,745,000 | 64,455,000 |
| Allowance for loan losses | 945,000 | 669,000 | 742,000 | 774,000 |
| Securities available for sale | 13,498,000 | 12,040,000 | 10,524,000 | 9,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,730,000 | 67,695,000 | 67,957,000 | 67,672,000 |
| Interest-bearing deposits | 60,911,000 | 60,688,000 | 61,936,000 | 59,851,000 |
| Noninterest-bearing deposits | 6,819,000 | 7,007,000 | 6,021,000 | 7,820,000 |
| Equity capital | 6,161,000 | 6,189,000 | 6,263,000 | 6,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,205,000 | 4,753,000 | 6,244,000 |
| Interest expense | 874,000 | 1,676,000 | 2,446,000 | 3,142,000 |
| Net interest income | 748,000 | 1,529,000 | 2,307,000 | 3,102,000 |
| Noninterest income | 93,000 | 185,000 | 279,000 | 367,000 |
| Noninterest expense | 429,000 | 857,000 | 1,288,000 | 1,697,000 |
| Provision for loan losses | 60,000 | 138,000 | 198,000 | 258,000 |
| Pretax income | 352,000 | 719,000 | 1,100,000 | 1,514,000 |
| Income tax | 119,000 | 245,000 | 377,000 | 524,000 |
| Net income | 233,000 | 474,000 | 723,000 | 990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,100,000 | 6,111,000 | 6,150,000 | 6,277,000 |
| Total capital | 6,851,000 | 6,780,000 | 6,892,000 | 7,009,000 |
| Risk-weighted assets | 60,239,000 | 59,764,000 | 61,344,000 | 58,550,000 |