Call reports 2010
UNITED COMMUNITY BANK — 2010
What UNITED COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 188,470,000 | 189,401,000 | 194,176,000 | 196,293,000 |
| Total loans | 114,540,000 | 116,808,000 | 116,886,000 | 113,037,000 |
| Allowance for loan losses | 1,543,000 | 1,607,000 | 1,658,000 | 1,562,000 |
| Securities available for sale | 50,225,000 | 48,196,000 | 47,641,000 | 54,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,187,000 | 161,749,000 | 167,931,000 | 171,003,000 |
| Interest-bearing deposits | 148,752,000 | 147,195,000 | 151,686,000 | 155,120,000 |
| Noninterest-bearing deposits | 12,435,000 | 14,554,000 | 16,245,000 | 15,883,000 |
| Equity capital | 17,232,000 | 17,670,000 | 18,312,000 | 17,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,314,000 | 4,575,000 | 6,943,000 | 9,205,000 |
| Interest expense | 689,000 | 1,294,000 | 1,870,000 | 2,425,000 |
| Net interest income | 1,625,000 | 3,281,000 | 5,073,000 | 6,780,000 |
| Noninterest income | 226,000 | 426,000 | 679,000 | 939,000 |
| Noninterest expense | 1,276,000 | 2,546,000 | 3,819,000 | 5,182,000 |
| Provision for loan losses | 90,000 | 420,000 | 897,000 | 1,372,000 |
| Pretax income | 542,000 | 867,000 | 1,373,000 | 1,502,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 541,000 | 866,000 | 1,371,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,587,000 | 16,693,000 | 17,124,000 | 17,253,000 |
| Total capital | 18,130,000 | 18,300,000 | 18,782,000 | 18,815,000 |
| Risk-weighted assets | 139,715,000 | 140,426,000 | 141,934,000 | 140,344,000 |