Call reports 2008
UNITED COMMUNITY BANK — 2008
What UNITED COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 294,145,000 | 299,180,000 | 317,559,000 | 341,679,000 |
| Total loans | 220,653,000 | 227,263,000 | 242,261,000 | 257,554,000 |
| Allowance for loan losses | 2,384,000 | 2,357,000 | 2,414,000 | 2,368,000 |
| Securities available for sale | 5,600,000 | 5,456,000 | 6,418,000 | 13,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,174,000 | 255,584,000 | 280,698,000 | 303,098,000 |
| Interest-bearing deposits | 182,683,000 | 192,664,000 | 265,966,000 | 227,850,000 |
| Noninterest-bearing deposits | 68,491,000 | 62,920,000 | 14,732,000 | 75,248,000 |
| Equity capital | 31,055,000 | 31,482,000 | 32,478,000 | 33,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,635,000 | 9,137,000 | 13,902,000 | 18,646,000 |
| Interest expense | 1,451,000 | 2,824,000 | 4,326,000 | 5,796,000 |
| Net interest income | 3,184,000 | 6,313,000 | 9,576,000 | 12,850,000 |
| Noninterest income | 666,000 | 1,394,000 | 2,121,000 | 2,803,000 |
| Noninterest expense | 2,244,000 | 4,610,000 | 7,034,000 | 9,380,000 |
| Provision for loan losses | 15,000 | 15,000 | 90,000 | 210,000 |
| Pretax income | 1,591,000 | 3,082,000 | 4,573,000 | 6,063,000 |
| Income tax | 541,000 | 1,048,000 | 1,549,000 | 1,974,000 |
| Net income | 1,050,000 | 2,034,000 | 3,024,000 | 4,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,000,000 | 31,484,000 | 32,474,000 | 33,807,000 |
| Total capital | 33,384,000 | 33,841,000 | 34,888,000 | 36,175,000 |
| Risk-weighted assets | 220,729,000 | 227,166,000 | 241,625,000 | 259,206,000 |