Call reports 2004
UNITED COMMUNITY BANK — 2004
What UNITED COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 862,059,000 | 877,073,000 | 903,365,000 | 942,243,000 |
| Total loans | 585,346,000 | 606,602,000 | 618,770,000 | 633,314,000 |
| Allowance for loan losses | 6,927,000 | 7,301,000 | 7,784,000 | 8,218,000 |
| Securities available for sale | 187,215,000 | 196,085,000 | 201,567,000 | 243,116,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 669,126,000 | 683,628,000 | 689,950,000 | 702,735,000 |
| Interest-bearing deposits | 538,355,000 | 540,388,000 | 538,946,000 | 554,655,000 |
| Noninterest-bearing deposits | 130,771,000 | 143,240,000 | 151,004,000 | 148,080,000 |
| Equity capital | 66,560,000 | 61,670,000 | 65,660,000 | 68,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 10,214,000 | 20,663,000 | 31,760,000 | 43,889,000 |
| Interest expense | 2,982,000 | 5,882,000 | 8,869,000 | 12,179,000 |
| Net interest income | 7,232,000 | 14,781,000 | 22,891,000 | 31,710,000 |
| Noninterest income | 1,718,000 | 3,640,000 | 5,419,000 | 7,374,000 |
| Noninterest expense | 5,368,000 | 10,871,000 | 16,378,000 | 21,945,000 |
| Provision for loan losses | 525,000 | 1,050,000 | 1,575,000 | 2,100,000 |
| Pretax income | 3,057,000 | 6,500,000 | 10,357,000 | 15,233,000 |
| Income tax | 1,055,000 | 2,235,000 | 3,586,000 | 5,292,000 |
| Net income | 2,002,000 | 4,265,000 | 6,771,000 | 9,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,562,000 | 51,902,000 | 54,487,000 | 57,735,000 |
| Total capital | 69,489,000 | 67,203,000 | 70,271,000 | 73,953,000 |
| Risk-weighted assets | 601,410,000 | 625,082,000 | 638,063,000 | 668,206,000 |