Call reports 2003
UNITED COMMUNITY BANK — 2003
What UNITED COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 835,106,000 | 821,901,000 | 815,974,000 | 928,155,000 |
| Total loans | 501,559,000 | 516,714,000 | 519,168,000 | 547,676,000 |
| Allowance for loan losses | 6,552,000 | 6,473,000 | 6,428,000 | 6,425,000 |
| Securities available for sale | 193,201,000 | 197,642,000 | 178,983,000 | 186,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,984,000 | 621,281,000 | 590,241,000 | 666,653,000 |
| Interest-bearing deposits | 502,815,000 | 504,625,000 | 467,417,000 | 539,510,000 |
| Noninterest-bearing deposits | 108,169,000 | 116,656,000 | 122,824,000 | 127,143,000 |
| Equity capital | 59,192,000 | 61,372,000 | 61,588,000 | 63,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,991,000 | 19,779,000 | 29,384,000 | 39,446,000 |
| Interest expense | 3,525,000 | 7,018,000 | 10,176,000 | 13,408,000 |
| Net interest income | 6,466,000 | 12,761,000 | 19,208,000 | 26,038,000 |
| Noninterest income | 1,812,000 | 3,670,000 | 5,493,000 | 6,790,000 |
| Noninterest expense | 5,068,000 | 10,881,000 | 16,062,000 | 21,158,000 |
| Provision for loan losses | 35,000 | 70,000 | 105,000 | 140,000 |
| Pretax income | 3,175,000 | 5,480,000 | 8,364,000 | 11,868,000 |
| Income tax | 1,111,000 | 1,429,000 | 2,927,000 | 4,141,000 |
| Net income | 2,064,000 | 4,051,000 | 5,437,000 | 7,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,457,000 | 55,492,000 | 56,925,000 | 52,483,000 |
| Total capital | 59,874,000 | 61,965,000 | 63,350,000 | 66,908,000 |
| Risk-weighted assets | 513,271,000 | 524,525,000 | 548,405,000 | 586,456,000 |