Call reports 2008
UNITED COMMUNITY BANK — 2008
What UNITED COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 170,659,000 | 177,506,000 | 180,418,000 | 187,149,000 |
| Total loans | 97,959,000 | 102,899,000 | 106,742,000 | 110,564,000 |
| Allowance for loan losses | 1,114,000 | 1,153,000 | 957,000 | 1,078,000 |
| Securities available for sale | 52,983,000 | 52,321,000 | 55,677,000 | 59,649,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,425,000 | 148,465,000 | 152,176,000 | 159,000,000 |
| Interest-bearing deposits | 129,183,000 | 135,047,000 | 136,739,000 | 143,840,000 |
| Noninterest-bearing deposits | 13,242,000 | 13,418,000 | 15,437,000 | 15,160,000 |
| Equity capital | 15,203,000 | 14,492,000 | 14,797,000 | 15,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,624,000 | 5,112,000 | 7,671,000 | 10,299,000 |
| Interest expense | 1,274,000 | 2,403,000 | 3,573,000 | 4,678,000 |
| Net interest income | 1,350,000 | 2,709,000 | 4,098,000 | 5,621,000 |
| Noninterest income | 207,000 | 425,000 | 653,000 | 875,000 |
| Noninterest expense | 1,141,000 | 2,279,000 | 3,474,000 | 4,635,000 |
| Provision for loan losses | 45,000 | 90,000 | 195,000 | 585,000 |
| Pretax income | 420,000 | 823,000 | 1,154,000 | 1,370,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 2,000 |
| Net income | 419,000 | 822,000 | 1,153,000 | 1,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,599,000 | 14,751,000 | 14,961,000 | 15,177,000 |
| Total capital | 15,713,000 | 15,904,000 | 15,918,000 | 16,255,000 |
| Risk-weighted assets | 113,867,000 | 120,131,000 | 124,586,000 | 129,416,000 |