Call reports 2015
UNITED COMMUNITY BANK — 2015
What UNITED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 264,030,000 | 270,433,000 | 269,112,000 | 275,419,000 |
| Total loans | 144,070,000 | 151,261,000 | 153,010,000 | 149,530,000 |
| Allowance for loan losses | 2,178,000 | 2,242,000 | 2,223,000 | 2,274,000 |
| Securities available for sale | 63,038,000 | 65,513,000 | 67,168,000 | 78,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,360,000 | 240,896,000 | 238,151,000 | 244,822,000 |
| Interest-bearing deposits | 204,496,000 | 210,689,000 | 206,671,000 | 210,800,000 |
| Noninterest-bearing deposits | 28,864,000 | 30,207,000 | 31,480,000 | 34,022,000 |
| Equity capital | 25,683,000 | 24,324,000 | 25,370,000 | 25,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,360,000 | 4,777,000 | 7,316,000 | 9,763,000 |
| Interest expense | 362,000 | 712,000 | 1,052,000 | 1,377,000 |
| Net interest income | 1,998,000 | 4,065,000 | 6,264,000 | 8,386,000 |
| Noninterest income | 231,000 | 544,000 | 875,000 | 1,175,000 |
| Noninterest expense | 1,638,000 | 3,341,000 | 4,962,000 | 6,512,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 729,000 | 1,427,000 | 2,276,000 | 3,088,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 729,000 | 1,425,000 | 2,273,000 | 3,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,971,000 | 23,596,000 | 24,148,000 | 24,744,000 |
| Total capital | 25,923,000 | 25,633,000 | 26,211,000 | 26,814,000 |
| Risk-weighted assets | 155,937,000 | 162,785,000 | 164,917,000 | 165,468,000 |