Call reports 2004
UNITED COMMUNITY BANK — 2004
What UNITED COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 3,103,750,000 | 3,443,486,000 | 3,485,966,000 | 3,721,456,000 |
| Total loans | 2,453,910,000 | 2,616,317,000 | 2,694,206,000 | 2,828,955,000 |
| Allowance for loan losses | 31,130,000 | 33,469,000 | 33,938,000 | 34,958,000 |
| Securities available for sale | 410,503,000 | 506,106,000 | 489,154,000 | 573,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,253,142,000 | 2,474,960,000 | 2,474,660,000 | 2,623,208,000 |
| Interest-bearing deposits | 1,969,290,000 | 2,157,226,000 | 2,157,014,000 | 2,282,697,000 |
| Noninterest-bearing deposits | 283,852,000 | 317,734,000 | 317,646,000 | 340,511,000 |
| Equity capital | 277,403,000 | 307,209,000 | 323,790,000 | 328,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 42,343,000 | 86,034,000 | 133,674,000 | 184,250,000 |
| Interest expense | 11,868,000 | 24,284,000 | 38,357,000 | 53,951,000 |
| Net interest income | 30,475,000 | 61,750,000 | 95,317,000 | 130,299,000 |
| Noninterest income | 8,827,000 | 17,942,000 | 27,340,000 | 37,475,000 |
| Noninterest expense | 22,143,000 | 45,375,000 | 70,553,000 | 97,499,000 |
| Provision for loan losses | 1,212,000 | 2,425,000 | 3,838,000 | 5,203,000 |
| Pretax income | 15,932,000 | 31,877,000 | 48,649,000 | 65,283,000 |
| Income tax | 5,496,000 | 11,002,000 | 16,871,000 | 22,742,000 |
| Net income | 10,436,000 | 20,875,000 | 31,778,000 | 42,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 230,067,000 | 252,493,000 | 264,694,000 | 264,115,000 |
| Total capital | 275,797,000 | 300,551,000 | 313,573,000 | 314,073,000 |
| Risk-weighted assets | 2,458,019,000 | 2,644,203,000 | 2,710,688,000 | 2,863,999,000 |