Call reports 2010
UNITED COMMUNITY BANK — 2010
What UNITED COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 404,969,000 | 387,825,000 | 432,948,000 | 418,876,000 |
| Total loans | 291,770,000 | 293,770,000 | 287,571,000 | 279,442,000 |
| Allowance for loan losses | 2,729,000 | 2,862,000 | 3,255,000 | 2,742,000 |
| Securities available for sale | 13,091,000 | 12,893,000 | 23,714,000 | 58,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,371,000 | 342,096,000 | 386,716,000 | 373,964,000 |
| Interest-bearing deposits | 301,119,000 | 284,090,000 | 323,659,000 | 314,610,000 |
| Noninterest-bearing deposits | 59,252,000 | 58,006,000 | 63,057,000 | 59,354,000 |
| Equity capital | 39,644,000 | 40,549,000 | 41,187,000 | 41,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,802,000 | 9,761,000 | 14,787,000 | 19,498,000 |
| Interest expense | 1,376,000 | 2,662,000 | 4,007,000 | 5,233,000 |
| Net interest income | 3,426,000 | 7,099,000 | 10,780,000 | 14,265,000 |
| Noninterest income | 721,000 | 1,354,000 | 1,925,000 | 2,526,000 |
| Noninterest expense | 2,519,000 | 5,094,000 | 7,770,000 | 10,509,000 |
| Provision for loan losses | 300,000 | 750,000 | 1,250,000 | 2,450,000 |
| Pretax income | 1,328,000 | 2,609,000 | 3,685,000 | 3,832,000 |
| Income tax | 449,000 | 884,000 | 1,251,000 | 1,211,000 |
| Net income | 879,000 | 1,725,000 | 2,434,000 | 2,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,636,000 | 40,482,000 | 41,192,000 | 41,378,000 |
| Total capital | 42,365,000 | 43,344,000 | 44,447,000 | 44,120,000 |
| Risk-weighted assets | 292,597,000 | 294,099,000 | 290,603,000 | 283,941,000 |