Call reports 2016
UNITED COMMUNITY BANK — 2016
What UNITED COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 271,918,000 | 272,473,000 | 274,630,000 | 274,641,000 |
| Total loans | 150,308,000 | 155,169,000 | 158,531,000 | 161,191,000 |
| Allowance for loan losses | 2,427,000 | 2,403,000 | 2,536,000 | 2,646,000 |
| Securities available for sale | 85,293,000 | 85,037,000 | 83,595,000 | 81,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,186,000 | 240,008,000 | 244,025,000 | 246,393,000 |
| Interest-bearing deposits | 207,638,000 | 212,541,000 | 211,217,000 | 214,516,000 |
| Noninterest-bearing deposits | 31,548,000 | 27,467,000 | 32,808,000 | 31,877,000 |
| Equity capital | 27,219,000 | 26,890,000 | 26,944,000 | 24,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,785,000 | 4,950,000 | 7,462,000 | 10,013,000 |
| Interest expense | 306,000 | 594,000 | 853,000 | 1,085,000 |
| Net interest income | 2,479,000 | 4,356,000 | 6,609,000 | 8,928,000 |
| Noninterest income | 308,000 | 1,037,000 | 1,401,000 | 1,729,000 |
| Noninterest expense | 1,757,000 | 3,509,000 | 5,364,000 | 7,163,000 |
| Provision for loan losses | 115,000 | 175,000 | 235,000 | 345,000 |
| Pretax income | 915,000 | 1,706,000 | 2,504,000 | 3,068,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 915,000 | 1,704,000 | 2,501,000 | 3,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,659,000 | 25,006,000 | 25,476,000 | 25,905,000 |
| Total capital | 27,764,000 | 27,128,000 | 27,643,000 | 28,108,000 |
| Risk-weighted assets | 168,107,000 | 169,486,000 | 173,044,000 | 175,843,000 |