Call reports 2002
UNITED COMMUNITY BANK — 2002
What UNITED COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 657,213,000 | 703,177,000 | 720,790,000 | 762,106,000 |
| Total loans | 459,491,000 | 472,364,000 | 491,580,000 | 488,586,000 |
| Allowance for loan losses | 6,318,000 | 6,433,000 | 6,644,000 | 6,842,000 |
| Securities available for sale | 124,149,000 | 122,316,000 | 137,948,000 | 152,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,810,000 | 502,671,000 | 531,249,000 | 536,319,000 |
| Interest-bearing deposits | 398,081,000 | 393,560,000 | 417,769,000 | 427,248,000 |
| Noninterest-bearing deposits | 99,729,000 | 109,111,000 | 113,480,000 | 109,071,000 |
| Equity capital | 53,424,000 | 58,046,000 | 60,817,000 | 62,491,000 |
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 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 10,929,000 | 21,439,000 | 31,994,000 | 41,979,000 |
| Interest expense | 3,745,000 | 7,153,000 | 10,748,000 | 14,405,000 |
| Net interest income | 7,184,000 | 14,286,000 | 21,246,000 | 27,574,000 |
| Noninterest income | 1,643,000 | 3,266,000 | 5,135,000 | 6,499,000 |
| Noninterest expense | 4,478,000 | 8,808,000 | 13,209,000 | 17,752,000 |
| Provision for loan losses | 228,000 | 456,000 | 684,000 | 912,000 |
| Pretax income | 4,121,000 | 8,288,000 | 12,490,000 | 15,396,000 |
| Income tax | 1,401,000 | 2,818,000 | 4,289,000 | 5,288,000 |
| Net income | 2,720,000 | 5,470,000 | 8,201,000 | 10,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,814,000 | 51,611,000 | 54,390,000 | 56,346,000 |
| Total capital | 54,493,000 | 57,551,000 | 60,409,000 | 62,336,000 |
| Risk-weighted assets | 453,681,000 | 474,674,000 | 480,924,000 | 478,511,000 |