Call reports 2004
UNITED COMMUNITIES NATIONAL BANK — 2004
What UNITED COMMUNITIES NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,957,000 | 94,007,000 | 93,462,000 | 97,851,000 |
| Total loans | 80,447,000 | 83,391,000 | 82,308,000 | 82,335,000 |
| Allowance for loan losses | 855,000 | 855,000 | 808,000 | 849,000 |
| Securities available for sale | 5,095,000 | 4,668,000 | 4,419,000 | 4,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,177,000 | 74,575,000 | 75,903,000 | 82,256,000 |
| Interest-bearing deposits | 62,018,000 | 65,385,000 | 65,878,000 | 70,381,000 |
| Noninterest-bearing deposits | 10,158,000 | 9,191,000 | 10,026,000 | 11,875,000 |
| Equity capital | 7,601,000 | 7,688,000 | 8,120,000 | 8,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,964,000 | 4,507,000 | 6,061,000 |
| Interest expense | 418,000 | 821,000 | 1,256,000 | 1,674,000 |
| Net interest income | 1,052,000 | 2,143,000 | 3,251,000 | 4,387,000 |
| Noninterest income | 153,000 | 318,000 | 485,000 | 656,000 |
| Noninterest expense | 586,000 | 1,197,000 | 1,837,000 | 2,490,000 |
| Provision for loan losses | 18,000 | 36,000 | 63,000 | 101,000 |
| Pretax income | 601,000 | 1,228,000 | 1,836,000 | 2,452,000 |
| Income tax | 216,000 | 436,000 | 651,000 | 869,000 |
| Net income | 385,000 | 792,000 | 1,185,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,405,000 | 7,581,000 | 7,975,000 | 7,998,000 |
| Total capital | 8,260,000 | 8,436,000 | 8,783,000 | 8,847,000 |
| Risk-weighted assets | 72,979,000 | 76,309,000 | 74,991,000 | 76,386,000 |