Call reports 2005
UNITED COMMUNITY BANK — 2005
What UNITED COMMUNITY 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 | 192,837,000 | 195,161,000 | 212,976,000 | 221,855,000 |
| Total loans | 148,816,000 | 157,591,000 | 164,415,000 | 168,397,000 |
| Allowance for loan losses | 2,315,000 | 2,262,000 | 2,278,000 | 2,220,000 |
| Securities available for sale | 5,522,000 | 5,335,000 | 5,071,000 | 7,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,355,000 | 150,710,000 | 167,462,000 | 183,937,000 |
| Interest-bearing deposits | 113,923,000 | 110,474,000 | 116,419,000 | 127,968,000 |
| Noninterest-bearing deposits | 39,432,000 | 40,236,000 | 51,043,000 | 55,969,000 |
| Equity capital | 19,802,000 | 20,096,000 | 20,812,000 | 21,606,000 |
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 | 3,004,000 | 6,084,000 | 9,404,000 | 13,024,000 |
| Interest expense | 716,000 | 1,506,000 | 2,450,000 | 3,406,000 |
| Net interest income | 2,288,000 | 4,578,000 | 6,954,000 | 9,618,000 |
| Noninterest income | 468,000 | 979,000 | 1,514,000 | 1,932,000 |
| Noninterest expense | 1,634,000 | 3,368,000 | 5,097,000 | 6,903,000 |
| Provision for loan losses | 75,000 | 125,000 | 200,000 | 315,000 |
| Pretax income | 1,047,000 | 2,064,000 | 3,171,000 | 4,332,000 |
| Income tax | 356,000 | 698,000 | 1,078,000 | 1,435,000 |
| Net income | 691,000 | 1,366,000 | 2,093,000 | 2,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,848,000 | 20,123,000 | 20,850,000 | 21,654,000 |
| Total capital | 21,677,000 | 22,052,000 | 22,901,000 | 23,768,000 |
| Risk-weighted assets | 145,812,000 | 154,008,000 | 163,861,000 | 169,008,000 |