Call reports 2009
UNITED COMMUNITY BANK — 2009
What UNITED COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 392,978,000 | 393,600,000 | 406,524,000 | 394,934,000 |
| Total loans | 270,790,000 | 292,354,000 | 296,880,000 | 294,990,000 |
| Allowance for loan losses | 2,415,000 | 2,955,000 | 2,897,000 | 3,132,000 |
| Securities available for sale | 18,123,000 | 17,421,000 | 16,449,000 | 10,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,572,000 | 353,548,000 | 363,890,000 | 352,994,000 |
| Interest-bearing deposits | 284,788,000 | 294,101,000 | 304,487,000 | 296,299,000 |
| Noninterest-bearing deposits | 68,784,000 | 59,447,000 | 59,403,000 | 56,695,000 |
| Equity capital | 34,752,000 | 35,775,000 | 38,041,000 | 38,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,663,000 | 9,788,000 | 15,124,000 | 20,180,000 |
| Interest expense | 1,464,000 | 3,028,000 | 4,544,000 | 6,030,000 |
| Net interest income | 3,199,000 | 6,760,000 | 10,580,000 | 14,150,000 |
| Noninterest income | 793,000 | 1,806,000 | 3,007,000 | 3,710,000 |
| Noninterest expense | 2,408,000 | 4,954,000 | 7,464,000 | 10,065,000 |
| Provision for loan losses | 110,000 | 710,000 | 1,210,000 | 1,610,000 |
| Pretax income | 1,474,000 | 2,902,000 | 4,913,000 | 6,185,000 |
| Income tax | 487,000 | 853,000 | 1,450,000 | 1,887,000 |
| Net income | 987,000 | 2,049,000 | 3,463,000 | 4,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,794,000 | 35,856,000 | 38,020,000 | 38,757,000 |
| Total capital | 37,209,000 | 38,811,000 | 40,917,000 | 41,889,000 |
| Risk-weighted assets | 279,710,000 | 297,358,000 | 305,209,000 | 290,879,000 |