Call reports 2006
UNITED COMMUNITIES NATIONAL BANK — 2006
What UNITED COMMUNITIES NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 305,281,000 | 312,817,000 | 315,152,000 | 331,305,000 |
| Total loans | 250,219,000 | 258,742,000 | 259,091,000 | 269,288,000 |
| Allowance for loan losses | 2,359,000 | 2,363,000 | 2,452,000 | 2,522,000 |
| Securities available for sale | 35,966,000 | 35,765,000 | 36,080,000 | 36,874,000 |
| Securities held to maturity | 19,000 | 16,000 | 15,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,090,000 | 224,294,000 | 243,331,000 | 248,251,000 |
| Interest-bearing deposits | 202,295,000 | 200,411,000 | 216,675,000 | 219,329,000 |
| Noninterest-bearing deposits | 25,795,000 | 23,883,000 | 26,656,000 | 28,923,000 |
| Equity capital | 23,752,000 | 23,751,000 | 25,103,000 | 25,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,808,000 | 9,855,000 | 15,133,000 | 20,464,000 |
| Interest expense | 1,681,000 | 3,667,000 | 5,961,000 | 8,336,000 |
| Net interest income | 3,127,000 | 6,188,000 | 9,172,000 | 12,128,000 |
| Noninterest income | 686,000 | 1,377,000 | 2,152,000 | 2,890,000 |
| Noninterest expense | 1,871,000 | 3,687,000 | 5,608,000 | 7,493,000 |
| Provision for loan losses | 120,000 | 240,000 | 460,000 | 660,000 |
| Pretax income | 1,822,000 | 3,638,000 | 5,256,000 | 6,865,000 |
| Income tax | 608,000 | 1,221,000 | 1,753,000 | 2,283,000 |
| Net income | 1,214,000 | 2,417,000 | 3,503,000 | 4,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,921,000 | 24,105,000 | 25,204,000 | 25,201,000 |
| Total capital | 26,280,000 | 26,468,000 | 27,656,000 | 27,723,000 |
| Risk-weighted assets | 227,541,000 | 238,861,000 | 238,120,000 | 247,371,000 |