Call reports 2013
UNITED COMMUNITY BANK — 2013
What UNITED COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 239,116,000 | 246,222,000 | 243,337,000 | 249,430,000 |
| Total loans | 138,725,000 | 140,993,000 | 138,849,000 | 137,416,000 |
| Allowance for loan losses | 1,985,000 | 2,126,000 | 2,066,000 | 2,075,000 |
| Securities available for sale | 61,447,000 | 61,485,000 | 60,715,000 | 64,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,895,000 | 219,114,000 | 215,825,000 | 222,412,000 |
| Interest-bearing deposits | 190,341,000 | 194,921,000 | 191,384,000 | 197,019,000 |
| Noninterest-bearing deposits | 20,554,000 | 24,193,000 | 24,441,000 | 25,393,000 |
| Equity capital | 22,773,000 | 21,746,000 | 22,103,000 | 21,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,385,000 | 4,834,000 | 7,206,000 | 9,517,000 |
| Interest expense | 417,000 | 841,000 | 1,252,000 | 1,652,000 |
| Net interest income | 1,968,000 | 3,993,000 | 5,954,000 | 7,865,000 |
| Noninterest income | 185,000 | 460,000 | 750,000 | 999,000 |
| Noninterest expense | 1,484,000 | 3,047,000 | 4,425,000 | 6,112,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 609,000 | 1,246,000 | 2,007,000 | 2,424,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 609,000 | 1,245,000 | 2,006,000 | 2,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,792,000 | 21,452,000 | 21,965,000 | 22,241,000 |
| Total capital | 22,685,000 | 23,385,000 | 23,851,000 | 24,105,000 |
| Risk-weighted assets | 151,335,000 | 154,438,000 | 150,705,000 | 148,927,000 |