Call reports 2005
UNITED COMMUNITY BANK TENNESSEE — 2005
What UNITED COMMUNITY BANK TENNESSEE 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 | 250,410,000 | 269,575,000 | 276,276,000 | 303,752,000 |
| Total loans | 160,754,000 | 171,483,000 | 185,641,000 | 187,868,000 |
| Allowance for loan losses | 1,987,000 | 2,108,000 | 2,226,000 | 2,335,000 |
| Securities available for sale | 47,650,000 | 50,651,000 | 52,397,000 | 50,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,064,000 | 228,023,000 | 233,884,000 | 259,735,000 |
| Interest-bearing deposits | 184,367,000 | 196,007,000 | 200,637,000 | 225,085,000 |
| Noninterest-bearing deposits | 27,697,000 | 32,016,000 | 33,247,000 | 34,650,000 |
| Equity capital | 36,157,000 | 38,748,000 | 39,062,000 | 40,300,000 |
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 | 3,039,000 | 6,460,000 | 10,279,000 | 14,556,000 |
| Interest expense | 1,076,000 | 2,307,000 | 3,659,000 | 5,300,000 |
| Net interest income | 1,963,000 | 4,153,000 | 6,620,000 | 9,256,000 |
| Noninterest income | 366,000 | 768,000 | 1,218,000 | 1,644,000 |
| Noninterest expense | 1,925,000 | 3,867,000 | 5,922,000 | 7,973,000 |
| Provision for loan losses | 139,000 | 278,000 | 416,000 | 555,000 |
| Pretax income | 265,000 | 776,000 | 1,500,000 | 2,372,000 |
| Income tax | 95,000 | 278,000 | 537,000 | 851,000 |
| Net income | 170,000 | 498,000 | 963,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,622,000 | 19,965,000 | 20,474,000 | 22,078,000 |
| Total capital | 19,609,000 | 22,073,000 | 22,700,000 | 24,413,000 |
| Risk-weighted assets | 189,498,000 | 207,488,000 | 215,827,000 | 214,210,000 |