Call reports 2023
UNITED COMMUNITY BANK — 2023
What UNITED COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 318,699,000 | 326,849,000 | 324,995,000 | 326,994,000 |
| Total loans | 186,520,000 | 193,435,000 | 196,398,000 | 199,644,000 |
| Allowance for loan losses | 3,271,000 | 3,265,000 | 3,266,000 | 3,258,000 |
| Securities available for sale | 94,059,000 | 91,491,000 | 86,033,000 | 91,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,392,000 | 304,218,000 | 305,869,000 | 301,571,000 |
| Interest-bearing deposits | 277,722,000 | 286,870,000 | 288,626,000 | 285,341,000 |
| Noninterest-bearing deposits | 17,670,000 | 17,348,000 | 17,243,000 | 16,230,000 |
| Equity capital | 19,597,000 | 19,370,000 | 15,761,000 | 22,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,207,000 | 6,701,000 | 10,448,000 | 14,306,000 |
| Interest expense | 882,000 | 2,026,000 | 3,295,000 | 4,682,000 |
| Net interest income | 2,325,000 | 4,675,000 | 7,153,000 | 9,624,000 |
| Noninterest income | 348,000 | 716,000 | 1,201,000 | 1,570,000 |
| Noninterest expense | 2,111,000 | 4,192,000 | 6,232,000 | 8,519,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 520,000 | 1,157,000 | 2,080,000 | 2,633,000 |
| Income tax | 0 | 3,000 | 41,000 | 178,000 |
| Net income | 520,000 | 1,154,000 | 2,039,000 | 2,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,886,000 | 33,331,000 | 34,018,000 | 34,349,000 |