Call reports 2011
UNITED COMMUNITY BANK — 2011
What UNITED COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 429,511,000 | 419,578,000 | 424,840,000 | 396,143,000 |
| Total loans | 268,948,000 | 261,640,000 | 251,252,000 | 237,347,000 |
| Allowance for loan losses | 3,007,000 | 2,745,000 | 2,948,000 | 2,731,000 |
| Securities available for sale | 66,613,000 | 67,625,000 | 83,707,000 | 86,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,660,000 | 372,539,000 | 376,505,000 | 347,838,000 |
| Interest-bearing deposits | 325,790,000 | 317,594,000 | 323,678,000 | 290,306,000 |
| Noninterest-bearing deposits | 57,870,000 | 54,945,000 | 52,827,000 | 57,532,000 |
| Equity capital | 41,687,000 | 42,579,000 | 43,394,000 | 43,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,536,000 | 8,976,000 | 13,567,000 | 17,765,000 |
| Interest expense | 1,146,000 | 2,261,000 | 3,300,000 | 4,273,000 |
| Net interest income | 3,390,000 | 6,715,000 | 10,267,000 | 13,492,000 |
| Noninterest income | 688,000 | 1,276,000 | 1,865,000 | 2,396,000 |
| Noninterest expense | 2,725,000 | 5,496,000 | 8,400,000 | 11,129,000 |
| Provision for loan losses | 510,000 | 885,000 | 1,210,000 | 1,460,000 |
| Pretax income | 843,000 | 1,610,000 | 2,522,000 | 3,299,000 |
| Income tax | 263,000 | 501,000 | 788,000 | 1,032,000 |
| Net income | 580,000 | 1,109,000 | 1,734,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,959,000 | 42,488,000 | 43,112,000 | 43,540,000 |
| Total capital | 44,966,000 | 45,233,000 | 46,060,000 | 46,271,000 |
| Risk-weighted assets | 284,163,000 | 271,682,000 | 264,887,000 | 252,607,000 |