Call reports 2003
UNITED COMMUNITY BANK — 2003
What UNITED COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 2,637,123,000 | 2,970,412,000 | 3,036,014,000 | 3,107,151,000 |
| Total loans | 1,982,834,000 | 2,288,359,000 | 2,318,512,000 | 2,373,323,000 |
| Allowance for loan losses | 24,832,000 | 29,206,000 | 29,698,000 | 30,568,000 |
| Securities available for sale | 434,632,000 | 439,539,000 | 434,890,000 | 453,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,972,449,000 | 2,081,933,000 | 2,060,235,000 | 2,091,109,000 |
| Interest-bearing deposits | 1,740,547,000 | 1,826,395,000 | 1,781,082,000 | 1,769,818,000 |
| Noninterest-bearing deposits | 231,902,000 | 255,538,000 | 279,153,000 | 321,291,000 |
| Equity capital | 209,733,000 | 251,943,000 | 254,938,000 | 265,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 38,228,000 | 79,653,000 | 121,778,000 | 163,836,000 |
| Interest expense | 12,855,000 | 26,072,000 | 38,648,000 | 50,668,000 |
| Net interest income | 25,373,000 | 53,581,000 | 83,130,000 | 113,168,000 |
| Noninterest income | 7,517,000 | 16,162,000 | 22,106,000 | 29,767,000 |
| Noninterest expense | 19,298,000 | 41,098,000 | 63,734,000 | 85,803,000 |
| Provision for loan losses | 1,465,000 | 2,900,000 | 4,335,000 | 6,070,000 |
| Pretax income | 12,127,000 | 25,742,000 | 37,212,000 | 51,220,000 |
| Income tax | 4,245,000 | 9,060,000 | 13,071,000 | 17,931,000 |
| Net income | 7,882,000 | 16,682,000 | 24,141,000 | 33,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,732,000 | 201,228,000 | 208,643,000 | 219,377,000 |
| Total capital | 216,564,000 | 245,146,000 | 252,738,000 | 264,243,000 |
| Risk-weighted assets | 1,991,895,000 | 2,313,124,000 | 2,327,017,000 | 2,388,601,000 |