Call reports 2020
UNITED COMMUNITY BANK — 2020
What UNITED COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 543,843,000 | 600,018,000 | 594,118,000 | 592,807,000 |
| Total loans | 423,641,000 | 456,265,000 | 461,216,000 | 444,804,000 |
| Allowance for loan losses | 13,689,000 | 13,291,000 | 12,800,000 | 13,000,000 |
| Securities available for sale | 20,927,000 | 20,740,000 | 42,899,000 | 45,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,183,000 | 501,172,000 | 492,664,000 | 490,267,000 |
| Interest-bearing deposits | 342,257,000 | 360,612,000 | 349,760,000 | 346,974,000 |
| Noninterest-bearing deposits | 105,926,000 | 140,560,000 | 142,904,000 | 143,293,000 |
| Equity capital | 78,204,000 | 81,072,000 | 83,497,000 | 85,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,618,000 | 14,090,000 | 20,413,000 | 26,467,000 |
| Interest expense | 937,000 | 1,854,000 | 2,720,000 | 3,478,000 |
| Net interest income | 5,681,000 | 12,236,000 | 17,693,000 | 22,989,000 |
| Noninterest income | 749,000 | 1,244,000 | 2,301,000 | 3,342,000 |
| Noninterest expense | 4,075,000 | 8,138,000 | 12,164,000 | 16,537,000 |
| Provision for loan losses | 400,000 | 842,000 | 842,000 | 855,000 |
| Pretax income | 1,955,000 | 4,602,000 | 7,167,000 | 9,118,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,955,000 | 4,602,000 | 7,167,000 | 9,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,235,000 | 80,633,000 | 83,198,000 | 84,759,000 |