Call reports 2002
UNITED COMMUNITY BANK TOWNS COUNTY — 2002
What UNITED COMMUNITY BANK TOWNS COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 109,832,000 | 109,620,000 | 117,592,000 |
| Total loans | 84,906,000 | 84,711,000 | 86,721,000 |
| Allowance for loan losses | 926,000 | 944,000 | 971,000 |
| Securities available for sale | 16,687,000 | 18,401,000 | 16,622,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 85,915,000 | 90,323,000 | 93,931,000 |
| Interest-bearing deposits | 77,396,000 | 79,524,000 | 82,518,000 |
| Noninterest-bearing deposits | 8,519,000 | 10,799,000 | 11,413,000 |
| Equity capital | 9,270,000 | 9,782,000 | 10,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Interest income | 1,914,000 | 3,723,000 | 5,547,000 |
| Interest expense | 731,000 | 1,410,000 | 2,067,000 |
| Net interest income | 1,183,000 | 2,313,000 | 3,480,000 |
| Noninterest income | 104,000 | 215,000 | 346,000 |
| Noninterest expense | 615,000 | 1,225,000 | 1,838,000 |
| Provision for loan losses | 39,000 | 76,000 | 114,000 |
| Pretax income | 633,000 | 1,227,000 | 1,874,000 |
| Income tax | 214,000 | 417,000 | 644,000 |
| Net income | 419,000 | 810,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 8,587,000 | 8,977,000 | 9,398,000 |
| Total capital | 9,513,000 | 9,921,000 | 10,369,000 |
| Risk-weighted assets | 78,060,000 | 78,565,000 | 80,413,000 |