Call reports 2013
UNITED COMMUNITY BANK — 2013
What UNITED COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 523,471,000 | 510,048,000 | 508,537,000 | 508,598,000 |
| Total loans | 264,825,000 | 260,516,000 | 252,812,000 | 252,573,000 |
| Allowance for loan losses | 5,734,000 | 5,443,000 | 5,478,000 | 5,371,000 |
| Securities available for sale | 204,213,000 | 201,968,000 | 208,271,000 | 204,115,000 |
| Securities held to maturity | 417,000 | 417,000 | 393,000 | 393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,937,000 | 426,284,000 | 429,104,000 | 424,763,000 |
| Interest-bearing deposits | 414,311,000 | 399,069,000 | 399,849,000 | 395,919,000 |
| Noninterest-bearing deposits | 29,626,000 | 27,215,000 | 29,255,000 | 28,844,000 |
| Equity capital | 64,227,000 | 62,907,000 | 62,660,000 | 63,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,872,000 | 7,617,000 | 11,409,000 | 15,205,000 |
| Interest expense | 787,000 | 1,539,000 | 2,327,000 | 3,005,000 |
| Net interest income | 3,085,000 | 6,078,000 | 9,082,000 | 12,200,000 |
| Noninterest income | 627,000 | 1,609,000 | 2,616,000 | 3,590,000 |
| Noninterest expense | 3,309,000 | 6,616,000 | 9,954,000 | 13,141,000 |
| Provision for loan losses | 110,000 | -541,000 | -983,000 | -908,000 |
| Pretax income | 583,000 | 1,983,000 | 3,098,000 | 3,928,000 |
| Income tax | 133,000 | 528,000 | 845,000 | 1,058,000 |
| Net income | 450,000 | 1,455,000 | 2,253,000 | 2,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,063,000 | 61,082,000 | 61,439,000 | 62,041,000 |
| Total capital | 63,112,000 | 64,112,000 | 64,459,000 | 65,045,000 |
| Risk-weighted assets | 241,207,000 | 239,968,000 | 239,168,000 | 237,971,000 |