Call reports 2016
UNITED COMMUNITY BANK — 2016
What UNITED COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 546,994,000 | 538,926,000 | 550,198,000 | 546,114,000 |
| Total loans | 439,854,000 | 441,139,000 | 439,323,000 | 429,426,000 |
| Allowance for loan losses | 9,643,000 | 10,406,000 | 11,155,000 | 13,781,000 |
| Securities available for sale | 27,431,000 | 23,744,000 | 21,617,000 | 20,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 452,132,000 | 443,998,000 | 455,348,000 | 454,503,000 |
| Interest-bearing deposits | 363,082,000 | 358,136,000 | 359,695,000 | 358,481,000 |
| Noninterest-bearing deposits | 89,050,000 | 85,862,000 | 95,653,000 | 96,022,000 |
| Equity capital | 70,476,000 | 70,154,000 | 69,778,000 | 67,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,912,000 | 12,000,000 | 18,044,000 | 23,805,000 |
| Interest expense | 546,000 | 1,158,000 | 1,809,000 | 2,437,000 |
| Net interest income | 5,366,000 | 10,842,000 | 16,235,000 | 21,368,000 |
| Noninterest income | 49,000 | 572,000 | 1,241,000 | 1,588,000 |
| Noninterest expense | 4,036,000 | 8,020,000 | 11,817,000 | 15,492,000 |
| Provision for loan losses | 620,000 | 1,395,000 | 3,145,000 | 5,945,000 |
| Pretax income | 750,000 | 2,028,000 | 2,543,000 | 1,559,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 750,000 | 2,028,000 | 2,543,000 | 1,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,579,000 | 70,056,000 | 69,751,000 | 67,860,000 |
| Total capital | 77,278,000 | 76,774,000 | 76,518,000 | 74,521,000 |
| Risk-weighted assets | 532,947,000 | 533,760,000 | 536,957,000 | 525,763,000 |