Call reports 2015
UNITED COMMUNITY BANK — 2015
What UNITED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 568,424,000 | 569,095,000 | 547,290,000 | 532,896,000 |
| Total loans | 430,646,000 | 421,728,000 | 422,577,000 | 422,097,000 |
| Allowance for loan losses | 6,770,000 | 7,354,000 | 7,029,000 | 8,291,000 |
| Securities available for sale | 64,929,000 | 45,629,000 | 38,013,000 | 33,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,124,000 | 491,628,000 | 462,829,000 | 449,560,000 |
| Interest-bearing deposits | 385,557,000 | 393,319,000 | 367,733,000 | 354,714,000 |
| Noninterest-bearing deposits | 97,567,000 | 98,309,000 | 95,096,000 | 94,846,000 |
| Equity capital | 69,120,000 | 68,880,000 | 69,633,000 | 69,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,124,000 | 10,107,000 | 16,173,000 | 22,095,000 |
| Interest expense | 437,000 | 1,083,000 | 1,693,000 | 2,267,000 |
| Net interest income | 3,687,000 | 9,024,000 | 14,480,000 | 19,828,000 |
| Noninterest income | 449,000 | 1,180,000 | 1,865,000 | 1,546,000 |
| Noninterest expense | 3,009,000 | 7,262,000 | 11,924,000 | 15,540,000 |
| Provision for loan losses | 640,000 | 1,590,000 | 2,490,000 | 3,790,000 |
| Pretax income | 482,000 | 1,354,000 | 1,912,000 | 2,027,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 482,000 | 1,354,000 | 1,912,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,402,000 | 69,775,000 | 69,983,000 | 69,875,000 |
| Total capital | 76,172,000 | 76,319,000 | 76,481,000 | 76,239,000 |
| Risk-weighted assets | 548,545,000 | 522,672,000 | 519,316,000 | 507,205,000 |