Call reports 2012
UNITED COMMUNITY BANK — 2012
What UNITED COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 503,689,000 | 494,188,000 | 503,708,000 | 501,529,000 |
| Total loans | 289,930,000 | 289,252,000 | 278,649,000 | 272,609,000 |
| Allowance for loan losses | 5,515,000 | 5,614,000 | 5,683,000 | 5,710,000 |
| Securities available for sale | 149,511,000 | 145,769,000 | 160,828,000 | 172,641,000 |
| Securities held to maturity | 522,000 | 493,000 | 471,000 | 471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 435,942,000 | 428,610,000 | 437,260,000 | 426,723,000 |
| Interest-bearing deposits | 412,757,000 | 407,843,000 | 411,774,000 | 400,823,000 |
| Noninterest-bearing deposits | 23,185,000 | 20,767,000 | 25,486,000 | 25,900,000 |
| Equity capital | 52,021,000 | 49,961,000 | 51,149,000 | 51,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,270,000 | 8,842,000 | 13,108,000 | 17,230,000 |
| Interest expense | 1,057,000 | 2,146,000 | 3,183,000 | 4,106,000 |
| Net interest income | 3,213,000 | 6,696,000 | 9,925,000 | 13,124,000 |
| Noninterest income | 922,000 | 1,690,000 | 2,697,000 | 3,616,000 |
| Noninterest expense | 2,951,000 | 5,952,000 | 9,218,000 | 12,362,000 |
| Provision for loan losses | 333,000 | 2,083,000 | 2,333,000 | 2,558,000 |
| Pretax income | 851,000 | 1,252,000 | 1,972,000 | 2,984,000 |
| Income tax | 342,000 | 382,000 | 547,000 | 847,000 |
| Net income | 509,000 | 870,000 | 1,425,000 | 2,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,626,000 | 45,283,000 | 45,848,000 | 46,610,000 |
| Total capital | 48,902,000 | 48,476,000 | 48,994,000 | 49,694,000 |
| Risk-weighted assets | 259,831,000 | 254,505,000 | 249,106,000 | 244,068,000 |