Call reports 2003
UNITED COMMUNITY BANK — 2003
What UNITED COMMUNITY 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 | 172,552,000 | 175,579,000 | 178,416,000 | 178,642,000 |
| Total loans | 139,171,000 | 142,081,000 | 143,405,000 | 143,765,000 |
| Allowance for loan losses | 2,072,000 | 2,102,000 | 2,096,000 | 2,144,000 |
| Securities available for sale | 7,120,000 | 7,346,000 | 8,966,000 | 5,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,911,000 | 141,890,000 | 140,736,000 | 140,725,000 |
| Interest-bearing deposits | 107,608,000 | 110,850,000 | 108,710,000 | 106,083,000 |
| Noninterest-bearing deposits | 31,303,000 | 31,040,000 | 32,026,000 | 34,642,000 |
| Equity capital | 14,139,000 | 14,789,000 | 15,485,000 | 16,849,000 |
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 | 2,828,000 | 5,725,000 | 8,701,000 | 11,581,000 |
| Interest expense | 791,000 | 1,542,000 | 2,257,000 | 2,887,000 |
| Net interest income | 2,037,000 | 4,183,000 | 6,444,000 | 8,694,000 |
| Noninterest income | 462,000 | 980,000 | 1,520,000 | 2,016,000 |
| Noninterest expense | 1,531,000 | 3,119,000 | 4,715,000 | 6,376,000 |
| Provision for loan losses | 75,000 | 155,000 | 250,000 | 370,000 |
| Pretax income | 893,000 | 1,889,000 | 2,999,000 | 3,964,000 |
| Income tax | 307,000 | 643,000 | 1,020,000 | 1,314,000 |
| Net income | 586,000 | 1,246,000 | 1,979,000 | 2,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,102,000 | 14,762,000 | 15,495,000 | 16,865,000 |
| Total capital | 15,784,000 | 16,491,000 | 17,237,000 | 18,601,000 |
| Risk-weighted assets | 134,169,000 | 137,978,000 | 139,041,000 | 138,509,000 |