Call reports 2003
UNITED COMMUNITY BANK — 2003
What UNITED COMMUNITY BANK 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 | 131,492,000 | 133,698,000 | 134,987,000 | 130,387,000 |
| Total loans | 66,892,000 | 66,893,000 | 64,818,000 | 65,956,000 |
| Allowance for loan losses | 853,000 | 879,000 | 885,000 | 854,000 |
| Securities available for sale | 45,135,000 | 47,988,000 | 52,913,000 | 52,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,496,000 | 104,526,000 | 109,644,000 | 106,018,000 |
| Interest-bearing deposits | 92,726,000 | 94,596,000 | 97,629,000 | 95,627,000 |
| Noninterest-bearing deposits | 9,770,000 | 9,930,000 | 12,015,000 | 10,391,000 |
| Equity capital | 12,158,000 | 12,315,000 | 11,744,000 | 11,964,000 |
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 | 1,719,000 | 3,423,000 | 5,095,000 | 6,684,000 |
| Interest expense | 807,000 | 1,580,000 | 2,305,000 | 2,963,000 |
| Net interest income | 912,000 | 1,843,000 | 2,790,000 | 3,721,000 |
| Noninterest income | 174,000 | 358,000 | 535,000 | 718,000 |
| Noninterest expense | 849,000 | 1,724,000 | 2,567,000 | 3,548,000 |
| Provision for loan losses | 18,000 | 36,000 | 45,000 | 51,000 |
| Pretax income | 356,000 | 637,000 | 966,000 | 1,134,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 356,000 | 637,000 | 966,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,962,000 | 11,042,000 | 11,272,000 | 11,441,000 |
| Total capital | 11,815,000 | 11,921,000 | 12,157,000 | 12,295,000 |
| Risk-weighted assets | 80,352,000 | 81,569,000 | 79,567,000 | 79,160,000 |