Call reports 2004
UNITED COMMUNITY BANK — 2004
What UNITED COMMUNITY BANK 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 | 132,930,000 | 137,330,000 | 140,372,000 | 142,083,000 |
| Total loans | 70,394,000 | 70,983,000 | 72,290,000 | 80,546,000 |
| Allowance for loan losses | 863,000 | 875,000 | 867,000 | 835,000 |
| Securities available for sale | 47,815,000 | 47,593,000 | 49,592,000 | 47,254,000 |
| Securities held to maturity | 1,000,000 | 2,500,000 | 2,500,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,367,000 | 106,476,000 | 108,758,000 | 110,050,000 |
| Interest-bearing deposits | 93,602,000 | 95,940,000 | 96,873,000 | 98,061,000 |
| Noninterest-bearing deposits | 9,765,000 | 10,536,000 | 11,885,000 | 11,989,000 |
| Equity capital | 12,612,000 | 11,466,000 | 12,589,000 | 12,537,000 |
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 | 1,592,000 | 3,247,000 | 4,888,000 | 6,598,000 |
| Interest expense | 653,000 | 1,298,000 | 1,953,000 | 2,606,000 |
| Net interest income | 939,000 | 1,949,000 | 2,935,000 | 3,992,000 |
| Noninterest income | 160,000 | 340,000 | 509,000 | 686,000 |
| Noninterest expense | 858,000 | 1,763,000 | 2,637,000 | 3,611,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 300,000 | 590,000 | 871,000 | 1,096,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 299,000 | 589,000 | 869,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,741,000 | 11,870,000 | 12,101,000 | 12,327,000 |
| Total capital | 12,604,000 | 12,745,000 | 12,968,000 | 13,162,000 |
| Risk-weighted assets | 81,808,000 | 83,664,000 | 85,141,000 | 93,906,000 |