Call reports 2020
UNITED COMMUNITY BANK — 2020
What UNITED COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 260,596,000 | 295,493,000 | 311,072,000 | 314,123,000 |
| Total loans | 164,534,000 | 177,183,000 | 183,962,000 | 175,314,000 |
| Allowance for loan losses | 3,179,000 | 3,236,000 | 3,289,000 | 3,353,000 |
| Securities available for sale | 71,061,000 | 78,503,000 | 76,674,000 | 105,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,939,000 | 260,355,000 | 275,956,000 | 278,875,000 |
| Interest-bearing deposits | 215,618,000 | 244,528,000 | 261,213,000 | 262,181,000 |
| Noninterest-bearing deposits | 11,321,000 | 15,827,000 | 14,743,000 | 16,694,000 |
| Equity capital | 30,704,000 | 31,512,000 | 32,067,000 | 32,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,707,000 | 5,370,000 | 8,050,000 | 10,942,000 |
| Interest expense | 491,000 | 931,000 | 1,334,000 | 1,695,000 |
| Net interest income | 2,216,000 | 4,439,000 | 6,716,000 | 9,247,000 |
| Noninterest income | 469,000 | 976,000 | 1,387,000 | 1,815,000 |
| Noninterest expense | 2,111,000 | 4,080,000 | 5,994,000 | 8,157,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 521,000 | 1,222,000 | 1,989,000 | 2,725,000 |
| Income tax | 0 | 2,000 | 3,000 | 4,000 |
| Net income | 521,000 | 1,220,000 | 1,986,000 | 2,721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,556,000 | 29,078,000 | 29,531,000 | 29,966,000 |