Call reports 2012
UNITED COMMUNITY BANK — 2012
What UNITED COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 401,143,000 | 384,876,000 | 379,819,000 | 418,841,000 |
| Total loans | 238,699,000 | 247,992,000 | 255,652,000 | 258,311,000 |
| Allowance for loan losses | 2,548,000 | 2,651,000 | 2,792,000 | 2,628,000 |
| Securities available for sale | 90,136,000 | 90,019,000 | 71,351,000 | 94,164,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,812,000 | 334,968,000 | 329,175,000 | 368,437,000 |
| Interest-bearing deposits | 289,086,000 | 276,579,000 | 271,242,000 | 303,137,000 |
| Noninterest-bearing deposits | 62,726,000 | 58,389,000 | 57,933,000 | 65,300,000 |
| Equity capital | 44,219,000 | 44,759,000 | 45,279,000 | 45,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,966,000 | 7,987,000 | 12,136,000 | 16,291,000 |
| Interest expense | 882,000 | 1,615,000 | 2,330,000 | 3,050,000 |
| Net interest income | 3,084,000 | 6,372,000 | 9,806,000 | 13,241,000 |
| Noninterest income | 496,000 | 996,000 | 1,451,000 | 1,941,000 |
| Noninterest expense | 2,694,000 | 5,481,000 | 8,216,000 | 10,984,000 |
| Provision for loan losses | 125,000 | 715,000 | 1,515,000 | 2,290,000 |
| Pretax income | 857,000 | 1,484,000 | 2,149,000 | 2,770,000 |
| Income tax | 268,000 | 458,000 | 660,000 | 851,000 |
| Net income | 589,000 | 1,026,000 | 1,489,000 | 1,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,129,000 | 44,567,000 | 45,029,000 | 45,160,000 |
| Total capital | 46,677,000 | 47,218,000 | 47,821,000 | 47,788,000 |
| Risk-weighted assets | 255,903,000 | 264,637,000 | 273,751,000 | 277,361,000 |