Call reports 2007
UNITED COMMUNITY BANK — 2007
What UNITED COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 259,014,000 | 251,809,000 | 256,305,000 | 281,042,000 |
| Total loans | 189,773,000 | 197,656,000 | 203,818,000 | 220,600,000 |
| Allowance for loan losses | 2,530,000 | 2,567,000 | 2,555,000 | 2,485,000 |
| Securities available for sale | 7,186,000 | 7,022,000 | 7,946,000 | 7,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,219,000 | 218,373,000 | 221,756,000 | 236,322,000 |
| Interest-bearing deposits | 148,730,000 | 146,123,000 | 162,908,000 | 160,560,000 |
| Noninterest-bearing deposits | 76,489,000 | 72,250,000 | 58,848,000 | 75,762,000 |
| Equity capital | 27,180,000 | 27,716,000 | 28,900,000 | 29,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,522,000 | 9,095,000 | 13,718,000 | 18,378,000 |
| Interest expense | 1,140,000 | 2,347,000 | 3,740,000 | 5,151,000 |
| Net interest income | 3,382,000 | 6,748,000 | 9,978,000 | 13,227,000 |
| Noninterest income | 615,000 | 1,207,000 | 1,837,000 | 2,483,000 |
| Noninterest expense | 1,936,000 | 3,925,000 | 6,005,000 | 8,292,000 |
| Provision for loan losses | 50,000 | 100,000 | 125,000 | 125,000 |
| Pretax income | 2,011,000 | 3,930,000 | 5,685,000 | 7,293,000 |
| Income tax | 684,000 | 1,336,000 | 1,930,000 | 2,495,000 |
| Net income | 1,327,000 | 2,594,000 | 3,755,000 | 4,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,208,000 | 27,749,000 | 28,910,000 | 29,953,000 |
| Total capital | 29,607,000 | 30,217,000 | 31,464,000 | 32,438,000 |
| Risk-weighted assets | 191,767,000 | 197,301,000 | 204,315,000 | 221,369,000 |