Call reports 2005
UNITED COMMUNITIES NATIONAL BANK — 2005
What UNITED COMMUNITIES NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 285,133,000 | 297,321,000 | 303,041,000 | 303,185,000 |
| Total loans | 229,082,000 | 242,396,000 | 247,270,000 | 245,561,000 |
| Allowance for loan losses | 2,553,000 | 2,602,000 | 2,504,000 | 2,346,000 |
| Securities available for sale | 35,800,000 | 36,296,000 | 36,208,000 | 36,006,000 |
| Securities held to maturity | 34,000 | 32,000 | 30,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,612,000 | 229,980,000 | 223,398,000 | 234,642,000 |
| Interest-bearing deposits | 201,166,000 | 207,229,000 | 199,800,000 | 208,620,000 |
| Noninterest-bearing deposits | 22,446,000 | 22,752,000 | 23,597,000 | 26,021,000 |
| Equity capital | 22,885,000 | 23,104,000 | 23,450,000 | 23,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,141,000 | 8,532,000 | 13,200,000 | 17,953,000 |
| Interest expense | 1,245,000 | 2,624,000 | 4,185,000 | 5,782,000 |
| Net interest income | 2,896,000 | 5,908,000 | 9,015,000 | 12,171,000 |
| Noninterest income | 613,000 | 1,262,000 | 1,977,000 | 2,594,000 |
| Noninterest expense | 1,807,000 | 3,616,000 | 5,487,000 | 7,243,000 |
| Provision for loan losses | 100,000 | 183,000 | 274,000 | 365,000 |
| Pretax income | 1,602,000 | 3,371,000 | 5,231,000 | 7,152,000 |
| Income tax | 519,000 | 1,105,000 | 1,726,000 | 2,370,000 |
| Net income | 1,083,000 | 2,266,000 | 3,505,000 | 4,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,727,000 | 22,885,000 | 23,304,000 | 23,711,000 |
| Total capital | 25,280,000 | 25,487,000 | 25,808,000 | 26,057,000 |
| Risk-weighted assets | 210,683,000 | 223,240,000 | 225,701,000 | 223,396,000 |