Call reports 2002
UNITED COMMUNITY BANK — 2002
What UNITED COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 972,343,000 | 1,040,492,000 | 1,084,587,000 | 2,541,719,000 |
| Total loans | 768,026,000 | 814,128,000 | 847,493,000 | 1,917,293,000 |
| Allowance for loan losses | 9,586,000 | 9,699,000 | 10,251,000 | 24,073,000 |
| Securities available for sale | 147,819,000 | 142,583,000 | 166,044,000 | 407,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 790,132,000 | 832,694,000 | 823,265,000 | 1,901,968,000 |
| Interest-bearing deposits | 698,168,000 | 730,489,000 | 727,047,000 | 1,688,117,000 |
| Noninterest-bearing deposits | 91,964,000 | 102,205,000 | 96,218,000 | 213,851,000 |
| Equity capital | 70,582,000 | 83,977,000 | 87,455,000 | 214,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 16,737,000 | 34,188,000 | 51,693,000 | 152,377,000 |
| Interest expense | 6,947,000 | 13,613,000 | 20,273,000 | 58,616,000 |
| Net interest income | 9,790,000 | 20,575,000 | 31,420,000 | 93,761,000 |
| Noninterest income | 8,361,000 | 12,125,000 | 18,241,000 | 33,043,000 |
| Noninterest expense | 13,416,000 | 23,092,000 | 34,351,000 | 79,170,000 |
| Provision for loan losses | 685,000 | 1,014,000 | 1,903,000 | 5,995,000 |
| Pretax income | 4,050,000 | 8,594,000 | 13,409,000 | 42,258,000 |
| Income tax | 1,377,000 | 2,925,000 | 4,610,000 | 14,491,000 |
| Net income | 2,673,000 | 5,669,000 | 8,799,000 | 27,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,164,000 | 78,170,000 | 81,348,000 | 196,812,000 |
| Total capital | 76,691,000 | 87,869,000 | 91,599,000 | 220,712,000 |
| Risk-weighted assets | 762,103,000 | 788,772,000 | 822,110,000 | 1,911,859,000 |