Call reports 2015
UNITED COMMUNITY BANK — 2015
What UNITED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 521,000,000 | 519,411,000 | 517,837,000 | 507,670,000 |
| Total loans | 258,968,000 | 259,130,000 | 269,492,000 | 268,139,000 |
| Allowance for loan losses | 5,090,000 | 5,124,000 | 5,151,000 | 4,796,000 |
| Securities available for sale | 175,621,000 | 169,827,000 | 155,257,000 | 145,572,000 |
| Securities held to maturity | 30,175,000 | 40,653,000 | 40,959,000 | 40,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,444,000 | 437,899,000 | 435,506,000 | 429,302,000 |
| Interest-bearing deposits | 402,211,000 | 401,608,000 | 396,726,000 | 391,188,000 |
| Noninterest-bearing deposits | 32,233,000 | 36,291,000 | 38,780,000 | 38,114,000 |
| Equity capital | 65,971,000 | 62,526,000 | 63,455,000 | 61,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,817,000 | 7,731,000 | 11,711,000 | 15,613,000 |
| Interest expense | 582,000 | 1,167,000 | 1,796,000 | 2,347,000 |
| Net interest income | 3,235,000 | 6,564,000 | 9,915,000 | 13,266,000 |
| Noninterest income | 898,000 | 1,817,000 | 2,851,000 | 4,126,000 |
| Noninterest expense | 3,230,000 | 6,597,000 | 10,152,000 | 13,542,000 |
| Provision for loan losses | -288,000 | -393,000 | -348,000 | -303,000 |
| Pretax income | 935,000 | 1,798,000 | 2,590,000 | 3,834,000 |
| Income tax | 184,000 | 324,000 | 395,000 | 594,000 |
| Net income | 751,000 | 1,474,000 | 2,195,000 | 3,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,870,000 | 60,088,000 | 60,504,000 | 58,464,000 |
| Total capital | 66,222,000 | 63,448,000 | 63,951,000 | 61,898,000 |
| Risk-weighted assets | 266,496,000 | 266,643,000 | 273,709,000 | 272,931,000 |