Call reports 2016
UNITED COMMUNITY BANK — 2016
What UNITED COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 515,401,000 | 523,325,000 | 525,504,000 | 522,171,000 |
| Total loans | 274,509,000 | 272,830,000 | 279,318,000 | 281,014,000 |
| Allowance for loan losses | 5,020,000 | 4,885,000 | 4,493,000 | 4,583,000 |
| Securities available for sale | 147,939,000 | 152,285,000 | 148,129,000 | 139,504,000 |
| Securities held to maturity | 40,818,000 | 40,763,000 | 40,676,000 | 40,619,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 434,538,000 | 442,006,000 | 445,198,000 | 447,210,000 |
| Interest-bearing deposits | 396,093,000 | 402,903,000 | 405,608,000 | 407,808,000 |
| Noninterest-bearing deposits | 38,445,000 | 39,103,000 | 39,590,000 | 39,402,000 |
| Equity capital | 62,600,000 | 63,700,000 | 63,383,000 | 61,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,921,000 | 7,904,000 | 11,857,000 | 15,817,000 |
| Interest expense | 550,000 | 1,115,000 | 1,758,000 | 2,328,000 |
| Net interest income | 3,371,000 | 6,789,000 | 10,099,000 | 13,489,000 |
| Noninterest income | 1,021,000 | 2,077,000 | 3,291,000 | 4,551,000 |
| Noninterest expense | 3,172,000 | 6,703,000 | 10,307,000 | 13,773,000 |
| Provision for loan losses | 52,000 | 97,000 | 115,000 | 130,000 |
| Pretax income | 1,232,000 | 2,152,000 | 3,133,000 | 4,302,000 |
| Income tax | 271,000 | 348,000 | 526,000 | 848,000 |
| Net income | 961,000 | 1,804,000 | 2,607,000 | 3,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,012,000 | 59,095,000 | 59,231,000 | 59,353,000 |
| Total capital | 62,442,000 | 62,562,000 | 62,755,000 | 62,913,000 |
| Risk-weighted assets | 272,567,000 | 275,636,000 | 280,613,000 | 283,346,000 |