Call reports 2002
UNITED COMMUNITY BANK — 2002
What UNITED COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 158,470,000 | 160,963,000 | 164,375,000 | 167,397,000 |
| Total loans | 129,585,000 | 130,941,000 | 131,874,000 | 134,103,000 |
| Allowance for loan losses | 1,950,000 | 2,034,000 | 2,101,000 | 2,042,000 |
| Securities available for sale | 4,921,000 | 6,099,000 | 5,999,000 | 8,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,761,000 | 128,477,000 | 133,810,000 | 132,345,000 |
| Interest-bearing deposits | 99,685,000 | 98,420,000 | 105,480,000 | 104,426,000 |
| Noninterest-bearing deposits | 29,076,000 | 30,057,000 | 28,330,000 | 27,919,000 |
| Equity capital | 12,728,000 | 13,229,000 | 13,471,000 | 13,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,737,000 | 5,575,000 | 8,416,000 | 11,267,000 |
| Interest expense | 943,000 | 1,869,000 | 2,794,000 | 3,587,000 |
| Net interest income | 1,794,000 | 3,706,000 | 5,622,000 | 7,680,000 |
| Noninterest income | 373,000 | 764,000 | 1,211,000 | 1,678,000 |
| Noninterest expense | 1,496,000 | 3,042,000 | 4,566,000 | 6,209,000 |
| Provision for loan losses | 65,000 | 140,000 | 215,000 | 280,000 |
| Pretax income | 606,000 | 1,288,000 | 2,052,000 | 2,869,000 |
| Income tax | 204,000 | 427,000 | 691,000 | 952,000 |
| Net income | 402,000 | 861,000 | 1,361,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,757,000 | 13,217,000 | 13,441,000 | 13,516,000 |
| Total capital | 14,317,000 | 14,788,000 | 15,027,000 | 15,146,000 |
| Risk-weighted assets | 124,424,000 | 125,222,000 | 126,374,000 | 129,998,000 |