Call reports 2014
UNITED COMMUNITY BANK — 2014
What UNITED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 394,642,000 | 391,188,000 | 389,005,000 | 368,195,000 |
| Total loans | 267,869,000 | 274,894,000 | 271,492,000 | 272,058,000 |
| Allowance for loan losses | 3,027,000 | 3,112,000 | 3,326,000 | 3,079,000 |
| Securities available for sale | 78,752,000 | 65,666,000 | 58,635,000 | 55,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,589,000 | 338,838,000 | 335,645,000 | 317,676,000 |
| Interest-bearing deposits | 281,157,000 | 274,382,000 | 266,057,000 | 250,933,000 |
| Noninterest-bearing deposits | 63,432,000 | 64,456,000 | 69,588,000 | 66,743,000 |
| Equity capital | 44,801,000 | 47,402,000 | 48,281,000 | 45,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,929,000 | 7,987,000 | 12,019,000 | 15,791,000 |
| Interest expense | 536,000 | 1,049,000 | 1,553,000 | 2,027,000 |
| Net interest income | 3,393,000 | 6,938,000 | 10,466,000 | 13,764,000 |
| Noninterest income | 518,000 | 995,000 | 1,451,000 | 1,877,000 |
| Noninterest expense | 2,695,000 | 5,471,000 | 8,244,000 | 10,902,000 |
| Provision for loan losses | 150,000 | 250,000 | 300,000 | 300,000 |
| Pretax income | 992,000 | 2,084,000 | 3,189,000 | 4,242,000 |
| Income tax | 315,000 | 660,000 | 1,014,000 | 1,349,000 |
| Net income | 677,000 | 1,424,000 | 2,175,000 | 2,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,998,000 | 48,745,000 | 49,496,000 | 46,713,000 |
| Total capital | 51,025,000 | 51,857,000 | 52,822,000 | 49,792,000 |
| Risk-weighted assets | 297,621,000 | 303,033,000 | 297,584,000 | 299,115,000 |