Call reports 2014
UNITED COMMUNITY BANK — 2014
What UNITED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 248,294,000 | 256,518,000 | 256,705,000 | 267,033,000 |
| Total loans | 139,710,000 | 143,326,000 | 141,318,000 | 142,234,000 |
| Allowance for loan losses | 2,143,000 | 2,196,000 | 2,241,000 | 2,160,000 |
| Securities available for sale | 65,758,000 | 71,599,000 | 73,731,000 | 74,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,911,000 | 228,054,000 | 227,695,000 | 237,779,000 |
| Interest-bearing deposits | 196,542,000 | 201,543,000 | 200,907,000 | 205,016,000 |
| Noninterest-bearing deposits | 23,369,000 | 26,511,000 | 26,788,000 | 32,763,000 |
| Equity capital | 23,033,000 | 23,549,000 | 23,950,000 | 24,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,302,000 | 4,710,000 | 7,148,000 | 9,603,000 |
| Interest expense | 385,000 | 769,000 | 1,152,000 | 1,529,000 |
| Net interest income | 1,917,000 | 3,941,000 | 5,996,000 | 8,074,000 |
| Noninterest income | 242,000 | 501,000 | 816,000 | 1,053,000 |
| Noninterest expense | 1,564,000 | 3,200,000 | 4,722,000 | 6,457,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 510,000 | 1,104,000 | 1,895,000 | 2,443,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 6,000 |
| Net income | 508,000 | 1,100,000 | 1,890,000 | 2,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,749,000 | 22,458,000 | 22,934,000 | 23,242,000 |
| Total capital | 24,633,000 | 24,402,000 | 24,867,000 | 25,147,000 |
| Risk-weighted assets | 150,434,000 | 155,246,000 | 154,353,000 | 152,180,000 |