Call reports 2012
UNITED COMMUNITY BANK — 2012
What UNITED COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 201,503,000 | 234,829,000 | 237,896,000 | 246,270,000 |
| Total loans | 110,644,000 | 132,890,000 | 137,346,000 | 138,399,000 |
| Allowance for loan losses | 1,725,000 | 1,799,000 | 1,802,000 | 1,792,000 |
| Securities available for sale | 57,960,000 | 64,997,000 | 61,125,000 | 62,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,620,000 | 206,550,000 | 208,571,000 | 216,855,000 |
| Interest-bearing deposits | 158,054,000 | 182,424,000 | 181,518,000 | 190,120,000 |
| Noninterest-bearing deposits | 16,566,000 | 24,126,000 | 27,053,000 | 26,735,000 |
| Equity capital | 20,462,000 | 22,654,000 | 23,588,000 | 23,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,103,000 | 4,480,000 | 6,976,000 | 9,475,000 |
| Interest expense | 432,000 | 882,000 | 1,321,000 | 1,756,000 |
| Net interest income | 1,671,000 | 3,598,000 | 5,655,000 | 7,719,000 |
| Noninterest income | 242,000 | 481,000 | 1,099,000 | 1,455,000 |
| Noninterest expense | 1,352,000 | 2,967,000 | 4,367,000 | 6,037,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 411,000 | 855,000 | 2,001,000 | 2,543,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 410,000 | 854,000 | 1,999,000 | 2,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,820,000 | 20,569,000 | 21,365,000 | 21,683,000 |
| Total capital | 20,545,000 | 22,368,000 | 23,167,000 | 23,475,000 |
| Risk-weighted assets | 138,930,000 | 157,811,000 | 158,598,000 | 161,881,000 |