Call reports 2004
UNITED COMMUNITY BANK — 2004
What UNITED COMMUNITY 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 | 182,785,000 | 179,629,000 | 183,852,000 | 185,663,000 |
| Total loans | 144,172,000 | 142,075,000 | 145,051,000 | 149,294,000 |
| Allowance for loan losses | 2,115,000 | 2,204,000 | 2,280,000 | 2,261,000 |
| Securities available for sale | 6,163,000 | 5,072,000 | 5,933,000 | 5,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,801,000 | 138,789,000 | 142,826,000 | 145,860,000 |
| Interest-bearing deposits | 105,202,000 | 105,322,000 | 105,272,000 | 106,396,000 |
| Noninterest-bearing deposits | 34,599,000 | 33,467,000 | 37,554,000 | 39,464,000 |
| Equity capital | 17,524,000 | 17,832,000 | 18,530,000 | 19,127,000 |
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 | 2,903,000 | 5,731,000 | 8,635,000 | 11,614,000 |
| Interest expense | 665,000 | 1,341,000 | 2,033,000 | 2,686,000 |
| Net interest income | 2,238,000 | 4,390,000 | 6,602,000 | 8,928,000 |
| Noninterest income | 450,000 | 961,000 | 1,487,000 | 2,016,000 |
| Noninterest expense | 1,593,000 | 3,235,000 | 4,939,000 | 6,654,000 |
| Provision for loan losses | 120,000 | 195,000 | 270,000 | 300,000 |
| Pretax income | 975,000 | 1,921,000 | 2,880,000 | 3,990,000 |
| Income tax | 330,000 | 653,000 | 974,000 | 1,329,000 |
| Net income | 645,000 | 1,268,000 | 1,906,000 | 2,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,510,000 | 17,913,000 | 18,551,000 | 19,156,000 |
| Total capital | 19,255,000 | 19,630,000 | 20,310,000 | 20,972,000 |
| Risk-weighted assets | 139,262,000 | 136,849,000 | 140,201,000 | 144,804,000 |