Call reports 2013
UNITED COMMUNITY BANK — 2013
What UNITED COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 408,828,000 | 404,396,000 | 417,111,000 | 401,758,000 |
| Total loans | 252,106,000 | 257,353,000 | 261,921,000 | 266,276,000 |
| Allowance for loan losses | 2,709,000 | 2,674,000 | 2,790,000 | 2,900,000 |
| Securities available for sale | 100,728,000 | 94,820,000 | 99,365,000 | 73,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,934,000 | 355,153,000 | 367,251,000 | 352,738,000 |
| Interest-bearing deposits | 296,373,000 | 294,704,000 | 295,956,000 | 285,579,000 |
| Noninterest-bearing deposits | 61,561,000 | 60,449,000 | 71,295,000 | 67,159,000 |
| Equity capital | 45,658,000 | 44,153,000 | 44,587,000 | 44,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,994,000 | 7,993,000 | 12,222,000 | 16,325,000 |
| Interest expense | 689,000 | 1,340,000 | 1,975,000 | 2,592,000 |
| Net interest income | 3,305,000 | 6,653,000 | 10,247,000 | 13,733,000 |
| Noninterest income | 457,000 | 1,058,000 | 1,537,000 | 2,111,000 |
| Noninterest expense | 2,648,000 | 5,541,000 | 8,416,000 | 11,273,000 |
| Provision for loan losses | 225,000 | 375,000 | 600,000 | 750,000 |
| Pretax income | 889,000 | 1,795,000 | 2,768,000 | 3,829,000 |
| Income tax | 279,000 | 563,000 | 870,000 | 1,181,000 |
| Net income | 610,000 | 1,232,000 | 1,898,000 | 2,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,783,000 | 46,405,000 | 47,071,000 | 47,321,000 |
| Total capital | 48,492,000 | 49,079,000 | 49,861,000 | 50,221,000 |
| Risk-weighted assets | 275,601,000 | 286,025,000 | 294,715,000 | 295,464,000 |