Call reports 2007
UNITED COMMUNITY BANK — 2007
What UNITED COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,079,000 | 170,481,000 | 174,849,000 | 175,992,000 |
| Total loans | 101,578,000 | 100,259,000 | 101,109,000 | 100,277,000 |
| Allowance for loan losses | 1,003,000 | 1,021,000 | 1,044,000 | 1,081,000 |
| Securities available for sale | 44,896,000 | 46,594,000 | 48,582,000 | 53,985,000 |
| Securities held to maturity | 1,000,000 | 0 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,294,000 | 140,181,000 | 144,406,000 | 145,444,000 |
| Interest-bearing deposits | 123,418,000 | 127,853,000 | 130,595,000 | 131,527,000 |
| Noninterest-bearing deposits | 10,876,000 | 12,328,000 | 13,811,000 | 13,917,000 |
| Equity capital | 14,341,000 | 13,610,000 | 14,376,000 | 14,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,549,000 | 5,171,000 | 7,891,000 | 10,658,000 |
| Interest expense | 1,317,000 | 2,692,000 | 4,121,000 | 5,560,000 |
| Net interest income | 1,232,000 | 2,479,000 | 3,770,000 | 5,098,000 |
| Noninterest income | 189,000 | 381,000 | 585,000 | 793,000 |
| Noninterest expense | 1,034,000 | 2,052,000 | 3,065,000 | 4,136,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 140,000 |
| Pretax income | 358,000 | 510,000 | 978,000 | 1,371,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 357,000 | 509,000 | 976,000 | 1,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,277,000 | 13,973,000 | 14,427,000 | 14,718,000 |
| Total capital | 15,280,000 | 14,994,000 | 15,471,000 | 15,799,000 |
| Risk-weighted assets | 114,301,000 | 115,126,000 | 116,860,000 | 117,155,000 |