Call reports 2007
UNITED COMMUNITY BANK — 2007
What UNITED COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,131,726,000 | 1,160,166,000 | 1,181,872,000 | 1,168,284,000 |
| Total loans | 781,939,000 | 815,591,000 | 833,524,000 | 805,999,000 |
| Allowance for loan losses | 9,268,000 | 24,420,000 | 24,725,000 | 9,765,000 |
| Securities available for sale | 274,756,000 | 271,352,000 | 263,960,000 | 270,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,010,070,000 | 1,001,468,000 | 982,515,000 | 963,422,000 |
| Interest-bearing deposits | 822,723,000 | 812,797,000 | 799,359,000 | 791,699,000 |
| Noninterest-bearing deposits | 187,347,000 | 188,671,000 | 183,156,000 | 171,723,000 |
| Equity capital | 95,390,000 | 80,821,000 | 87,005,000 | 90,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 19,733,000 | 39,839,000 | 60,547,000 | 80,821,000 |
| Interest expense | 8,643,000 | 17,639,000 | 26,901,000 | 35,945,000 |
| Net interest income | 11,090,000 | 22,200,000 | 33,646,000 | 44,876,000 |
| Noninterest income | 2,415,000 | 4,930,000 | 7,513,000 | 9,957,000 |
| Noninterest expense | 6,942,000 | 13,942,000 | 21,575,000 | 28,772,000 |
| Provision for loan losses | 325,000 | 15,650,000 | 15,975,000 | 19,300,000 |
| Pretax income | 6,238,000 | -2,462,000 | 3,553,000 | 7,012,000 |
| Income tax | 2,277,000 | -1,320,000 | 815,000 | 2,045,000 |
| Net income | 3,961,000 | -1,142,000 | 2,738,000 | 4,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,000,000 | 71,476,000 | 75,434,000 | 77,740,000 |
| Total capital | 101,268,000 | 90,259,000 | 94,599,000 | 95,505,000 |
| Risk-weighted assets | 820,048,000 | 849,004,000 | 879,671,000 | 860,858,000 |