Call reports 2003
UNITED COMMUNITIES NATIONAL BANK — 2003
What UNITED COMMUNITIES NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 87,009,000 | 90,758,000 | 89,160,000 | 90,487,000 |
| Total loans | 73,745,000 | 78,009,000 | 77,899,000 | 78,761,000 |
| Allowance for loan losses | 872,000 | 852,000 | 874,000 | 863,000 |
| Securities available for sale | 7,266,000 | 6,824,000 | 5,764,000 | 5,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,566,000 | 72,243,000 | 68,832,000 | 74,585,000 |
| Interest-bearing deposits | 61,720,000 | 63,951,000 | 61,272,000 | 65,689,000 |
| Noninterest-bearing deposits | 8,846,000 | 8,292,000 | 7,560,000 | 8,895,000 |
| Equity capital | 7,122,000 | 6,687,000 | 7,230,000 | 7,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 2,971,000 | 4,426,000 | 5,889,000 |
| Interest expense | 455,000 | 917,000 | 1,370,000 | 1,817,000 |
| Net interest income | 1,025,000 | 2,054,000 | 3,056,000 | 4,072,000 |
| Noninterest income | 124,000 | 253,000 | 403,000 | 556,000 |
| Noninterest expense | 573,000 | 1,168,000 | 1,778,000 | 2,432,000 |
| Provision for loan losses | 0 | 16,000 | 40,000 | 64,000 |
| Pretax income | 576,000 | 1,123,000 | 1,641,000 | 2,132,000 |
| Income tax | 218,000 | 405,000 | 586,000 | 753,000 |
| Net income | 358,000 | 718,000 | 1,055,000 | 1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,949,000 | 6,448,000 | 7,086,000 | 7,160,000 |
| Total capital | 7,772,000 | 7,300,000 | 7,960,000 | 8,023,000 |
| Risk-weighted assets | 65,765,000 | 70,654,000 | 70,120,000 | 71,635,000 |