Call reports 2005
UNITED COMMUNITY BANK — 2005
What UNITED COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 988,012,000 | 1,046,207,000 | 1,086,672,000 | 996,078,000 |
| Total loans | 644,674,000 | 649,564,000 | 663,873,000 | 668,560,000 |
| Allowance for loan losses | 8,522,000 | 8,562,000 | 8,602,000 | 8,625,000 |
| Securities available for sale | 272,726,000 | 278,494,000 | 257,908,000 | 259,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 699,988,000 | 736,682,000 | 789,669,000 | 816,118,000 |
| Interest-bearing deposits | 0 | 564,362,000 | 605,055,000 | 629,217,000 |
| Noninterest-bearing deposits | 699,988,000 | 172,320,000 | 184,614,000 | 186,901,000 |
| Equity capital | 68,446,000 | 67,543,000 | 70,603,000 | 72,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 12,974,000 | 27,200,000 | 42,761,000 | 58,913,000 |
| Interest expense | 3,968,000 | 8,596,000 | 13,801,000 | 19,431,000 |
| Net interest income | 9,006,000 | 18,604,000 | 28,960,000 | 39,482,000 |
| Noninterest income | 1,858,000 | 4,244,000 | 6,394,000 | 8,548,000 |
| Noninterest expense | 5,588,000 | 11,552,000 | 17,545,000 | 23,521,000 |
| Provision for loan losses | 508,000 | 765,000 | 1,023,000 | 1,280,000 |
| Pretax income | 4,768,000 | 10,531,000 | 16,749,000 | 23,114,000 |
| Income tax | 1,704,000 | 3,764,000 | 5,987,000 | 8,278,000 |
| Net income | 3,064,000 | 6,767,000 | 10,762,000 | 14,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,377,000 | 58,157,000 | 61,824,000 | 65,976,000 |
| Total capital | 76,700,000 | 74,719,000 | 78,426,000 | 82,601,000 |
| Risk-weighted assets | 665,631,000 | 695,288,000 | 708,540,000 | 696,646,000 |