Call reports 2003
UNITED COMMUNITY BANK TENNESSEE — 2003
What UNITED COMMUNITY BANK TENNESSEE 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 | 195,159,000 | 205,228,000 | 197,726,000 | 194,222,000 |
| Total loans | 92,215,000 | 94,943,000 | 95,079,000 | 105,754,000 |
| Allowance for loan losses | 1,638,000 | 1,675,000 | 1,646,000 | 1,662,000 |
| Securities available for sale | 30,686,000 | 23,943,000 | 20,548,000 | 20,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,210,000 | 173,490,000 | 166,045,000 | 160,776,000 |
| Interest-bearing deposits | 135,846,000 | 142,225,000 | 129,959,000 | 136,642,000 |
| Noninterest-bearing deposits | 27,364,000 | 31,265,000 | 36,086,000 | 24,134,000 |
| Equity capital | 29,583,000 | 30,019,000 | 30,128,000 | 31,942,000 |
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 | 0 | 1,826,000 | 3,605,000 | 5,542,000 |
| Interest expense | 0 | 681,000 | 1,249,000 | 1,755,000 |
| Net interest income | 0 | 1,145,000 | 2,356,000 | 3,787,000 |
| Noninterest income | 0 | 724,000 | 1,404,000 | 1,795,000 |
| Noninterest expense | 0 | 1,318,000 | 2,745,000 | 4,111,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 90,000 |
| Pretax income | 0 | 521,000 | 955,000 | 1,381,000 |
| Income tax | 0 | 187,000 | 338,000 | 486,000 |
| Net income | 0 | 334,000 | 617,000 | 895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,244,000 | 10,902,000 | 10,954,000 | 12,786,000 |
| Total capital | 11,572,000 | 12,333,000 | 12,496,000 | 14,435,000 |
| Risk-weighted assets | 105,922,000 | 114,259,000 | 123,294,000 | 131,921,000 |