Call reports 2014
UNITED COMMUNITY BANK — 2014
What UNITED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 523,481,000 | 529,965,000 | 521,860,000 | 507,406,000 |
| Total loans | 251,642,000 | 250,010,000 | 251,640,000 | 254,847,000 |
| Allowance for loan losses | 5,471,000 | 5,459,000 | 5,564,000 | 5,080,000 |
| Securities available for sale | 209,677,000 | 218,825,000 | 182,635,000 | 176,428,000 |
| Securities held to maturity | 337,000 | 337,000 | 13,142,000 | 21,615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 438,870,000 | 444,412,000 | 435,686,000 | 422,819,000 |
| Interest-bearing deposits | 409,506,000 | 412,613,000 | 408,571,000 | 390,151,000 |
| Noninterest-bearing deposits | 29,364,000 | 31,799,000 | 27,115,000 | 32,668,000 |
| Equity capital | 64,162,000 | 65,368,000 | 65,779,000 | 65,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,774,000 | 7,480,000 | 11,249,000 | 15,085,000 |
| Interest expense | 655,000 | 1,337,000 | 2,047,000 | 2,665,000 |
| Net interest income | 3,119,000 | 6,143,000 | 9,202,000 | 12,420,000 |
| Noninterest income | 852,000 | 1,556,000 | 2,431,000 | 3,397,000 |
| Noninterest expense | 3,033,000 | 6,174,000 | 9,488,000 | 12,778,000 |
| Provision for loan losses | 75,000 | 235,000 | 244,000 | 280,000 |
| Pretax income | 863,000 | 1,290,000 | 1,880,000 | 2,706,000 |
| Income tax | 200,000 | 225,000 | 316,000 | 427,000 |
| Net income | 663,000 | 1,065,000 | 1,564,000 | 2,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,336,000 | 62,516,000 | 62,872,000 | 61,780,000 |
| Total capital | 65,411,000 | 65,595,000 | 66,017,000 | 64,927,000 |
| Risk-weighted assets | 243,588,000 | 243,951,000 | 249,156,000 | 249,847,000 |