Call reports 2009
UNITED COMMUNITY BANK — 2009
What UNITED COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 182,918,000 | 186,394,000 | 190,943,000 | 197,460,000 |
| Total loans | 110,165,000 | 113,896,000 | 112,675,000 | 114,789,000 |
| Allowance for loan losses | 1,316,000 | 1,522,000 | 1,706,000 | 1,555,000 |
| Securities available for sale | 51,225,000 | 47,749,000 | 47,396,000 | 53,819,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,254,000 | 159,727,000 | 163,853,000 | 171,045,000 |
| Interest-bearing deposits | 145,894,000 | 147,025,000 | 149,898,000 | 154,438,000 |
| Noninterest-bearing deposits | 11,360,000 | 12,702,000 | 13,955,000 | 16,607,000 |
| Equity capital | 15,829,000 | 15,963,000 | 16,688,000 | 16,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,439,000 | 4,797,000 | 7,168,000 | 9,558,000 |
| Interest expense | 981,000 | 1,911,000 | 2,786,000 | 3,593,000 |
| Net interest income | 1,458,000 | 2,886,000 | 4,382,000 | 5,965,000 |
| Noninterest income | 189,000 | 383,000 | 603,000 | 865,000 |
| Noninterest expense | 1,189,000 | 2,468,000 | 3,685,000 | 5,126,000 |
| Provision for loan losses | 245,000 | 470,000 | 1,170,000 | 1,245,000 |
| Pretax income | 502,000 | 730,000 | 811,000 | 1,287,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | 502,000 | 729,000 | 809,000 | 1,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,681,000 | 15,700,000 | 15,786,000 | 16,046,000 |
| Total capital | 16,997,000 | 17,222,000 | 17,492,000 | 17,601,000 |
| Risk-weighted assets | 127,945,000 | 132,932,000 | 137,812,000 | 143,549,000 |