Call reports 2005
UNITED COMMUNITY BANK — 2005
What UNITED COMMUNITY BANK 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 | 140,870,000 | 145,004,000 | 148,721,000 | 152,788,000 |
| Total loans | 81,984,000 | 88,779,000 | 94,118,000 | 96,902,000 |
| Allowance for loan losses | 893,000 | 897,000 | 909,000 | 899,000 |
| Securities available for sale | 43,745,000 | 43,687,000 | 39,774,000 | 40,816,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,082,000 | 115,462,000 | 121,666,000 | 125,623,000 |
| Interest-bearing deposits | 99,352,000 | 103,465,000 | 109,037,000 | 112,734,000 |
| Noninterest-bearing deposits | 11,730,000 | 11,997,000 | 12,629,000 | 12,889,000 |
| Equity capital | 12,317,000 | 12,982,000 | 13,042,000 | 13,042,000 |
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 | 1,771,000 | 3,616,000 | 5,606,000 | 7,690,000 |
| Interest expense | 723,000 | 1,500,000 | 2,375,000 | 3,342,000 |
| Net interest income | 1,048,000 | 2,116,000 | 3,231,000 | 4,348,000 |
| Noninterest income | 179,000 | 351,000 | 564,000 | 733,000 |
| Noninterest expense | 926,000 | 1,856,000 | 2,797,000 | 3,811,000 |
| Provision for loan losses | 60,000 | 72,000 | 84,000 | 96,000 |
| Pretax income | 258,000 | 618,000 | 994,000 | 1,251,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 257,000 | 617,000 | 992,000 | 1,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,585,000 | 12,794,000 | 13,048,000 | 13,306,000 |
| Total capital | 13,478,000 | 13,691,000 | 13,957,000 | 14,205,000 |
| Risk-weighted assets | 93,938,000 | 99,209,000 | 103,620,000 | 106,097,000 |