Call reports 2004
UNITED COMMUNITY BANK TENNESSEE — 2004
What UNITED COMMUNITY BANK TENNESSEE 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 | 198,843,000 | 231,796,000 | 232,714,000 | 244,205,000 |
| Total loans | 122,555,000 | 134,000,000 | 144,629,000 | 150,017,000 |
| Allowance for loan losses | 1,763,000 | 1,788,000 | 1,826,000 | 1,878,000 |
| Securities available for sale | 20,068,000 | 37,476,000 | 36,013,000 | 49,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,112,000 | 195,960,000 | 194,915,000 | 204,401,000 |
| Interest-bearing deposits | 139,788,000 | 166,114,000 | 165,069,000 | 176,627,000 |
| Noninterest-bearing deposits | 25,324,000 | 29,846,000 | 29,846,000 | 27,774,000 |
| Equity capital | 32,218,000 | 34,119,000 | 35,644,000 | 35,875,000 |
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 | 1,968,000 | 4,333,000 | 6,971,000 | 9,871,000 |
| Interest expense | 600,000 | 1,265,000 | 2,111,000 | 3,020,000 |
| Net interest income | 1,368,000 | 3,068,000 | 4,860,000 | 6,851,000 |
| Noninterest income | 351,000 | 779,000 | 1,158,000 | 1,608,000 |
| Noninterest expense | 1,658,000 | 3,457,000 | 5,288,000 | 6,956,000 |
| Provision for loan losses | 63,000 | 125,000 | 188,000 | 250,000 |
| Pretax income | 9,000 | 276,000 | 553,000 | 1,264,000 |
| Income tax | 3,000 | 95,000 | 192,000 | 441,000 |
| Net income | 6,000 | 181,000 | 361,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,863,000 | 15,110,000 | 16,373,000 | 16,787,000 |
| Total capital | 14,626,000 | 16,898,000 | 18,199,000 | 18,665,000 |
| Risk-weighted assets | 145,396,000 | 162,854,000 | 172,895,000 | 177,594,000 |