Call reports 2006
UNITED COMMUNITY BANK — 2006
What UNITED COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,009,879,000 | 1,046,584,000 | 1,086,863,000 | 1,120,238,000 |
| Total loans | 690,135,000 | 716,720,000 | 752,038,000 | 773,302,000 |
| Allowance for loan losses | 8,585,000 | 8,761,000 | 8,934,000 | 8,983,000 |
| Securities available for sale | 255,965,000 | 247,610,000 | 271,745,000 | 274,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 844,643,000 | 883,065,000 | 941,746,000 | 976,115,000 |
| Interest-bearing deposits | 658,372,000 | 696,653,000 | 751,528,000 | 793,778,000 |
| Noninterest-bearing deposits | 186,271,000 | 186,412,000 | 190,218,000 | 182,337,000 |
| Equity capital | 76,649,000 | 79,162,000 | 85,813,000 | 90,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 16,612,000 | 34,303,000 | 53,369,000 | 71,703,000 |
| Interest expense | 5,794,000 | 12,564,000 | 19,966,000 | 28,338,000 |
| Net interest income | 10,818,000 | 21,739,000 | 33,403,000 | 43,365,000 |
| Noninterest income | 2,102,000 | 4,284,000 | 6,485,000 | 8,853,000 |
| Noninterest expense | 5,635,000 | 12,227,000 | 19,090,000 | 24,577,000 |
| Provision for loan losses | 324,000 | 648,000 | 973,000 | 1,297,000 |
| Pretax income | 6,723,000 | 12,910,000 | 19,587,000 | 26,106,000 |
| Income tax | 2,461,000 | 4,719,000 | 7,156,000 | 9,538,000 |
| Net income | 4,262,000 | 8,191,000 | 12,431,000 | 16,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,721,000 | 74,728,000 | 75,760,000 | 79,962,000 |
| Total capital | 87,307,000 | 91,489,000 | 92,694,000 | 96,945,000 |
| Risk-weighted assets | 727,608,000 | 754,090,000 | 783,265,000 | 807,851,000 |