Call reports 2006
UNITED COMMUNITY BANK — 2006
What UNITED COMMUNITY 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 | 228,759,000 | 240,204,000 | 246,693,000 | 258,748,000 |
| Total loans | 169,862,000 | 179,603,000 | 178,158,000 | 186,854,000 |
| Allowance for loan losses | 2,310,000 | 2,284,000 | 2,446,000 | 2,489,000 |
| Securities available for sale | 7,672,000 | 7,463,000 | 7,407,000 | 6,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,720,000 | 209,696,000 | 215,412,000 | 226,572,000 |
| Interest-bearing deposits | 131,344,000 | 133,956,000 | 133,370,000 | 140,457,000 |
| Noninterest-bearing deposits | 67,376,000 | 75,740,000 | 82,042,000 | 86,115,000 |
| Equity capital | 22,513,000 | 23,022,000 | 24,323,000 | 25,841,000 |
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 | 3,757,000 | 7,763,000 | 12,241,000 | 16,986,000 |
| Interest expense | 977,000 | 1,931,000 | 2,953,000 | 4,042,000 |
| Net interest income | 2,780,000 | 5,832,000 | 9,288,000 | 12,944,000 |
| Noninterest income | 491,000 | 1,011,000 | 1,591,000 | 2,256,000 |
| Noninterest expense | 1,736,000 | 3,530,000 | 5,430,000 | 7,322,000 |
| Provision for loan losses | 120,000 | 240,000 | 305,000 | 380,000 |
| Pretax income | 1,415,000 | 3,073,000 | 5,144,000 | 7,498,000 |
| Income tax | 482,000 | 1,044,000 | 1,748,000 | 2,497,000 |
| Net income | 933,000 | 2,029,000 | 3,396,000 | 5,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,587,000 | 23,133,000 | 24,375,000 | 25,880,000 |
| Total capital | 24,725,000 | 25,357,000 | 26,628,000 | 28,255,000 |
| Risk-weighted assets | 170,865,000 | 180,198,000 | 180,043,000 | 189,902,000 |