Call reports 2005
UNITED COMMUNITY BANK — 2005
What UNITED COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 4,030,295,000 | 4,280,428,000 | 4,451,643,000 | 4,620,222,000 |
| Total loans | 3,106,775,000 | 3,285,860,000 | 3,448,076,000 | 3,564,192,000 |
| Allowance for loan losses | 37,945,000 | 39,203,000 | 41,060,000 | 42,636,000 |
| Securities available for sale | 599,088,000 | 650,943,000 | 632,731,000 | 678,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,880,167,000 | 3,011,203,000 | 3,180,890,000 | 3,429,380,000 |
| Interest-bearing deposits | 2,675,764,000 | 2,615,458,000 | 2,759,123,000 | 3,022,366,000 |
| Noninterest-bearing deposits | 204,403,000 | 395,745,000 | 421,767,000 | 407,014,000 |
| Equity capital | 373,562,000 | 388,748,000 | 396,633,000 | 384,896,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 57,229,000 | 120,211,000 | 190,076,000 | 265,343,000 |
| Interest expense | 18,733,000 | 40,734,000 | 67,028,000 | 97,098,000 |
| Net interest income | 38,496,000 | 79,477,000 | 123,048,000 | 168,245,000 |
| Noninterest income | 9,630,000 | 20,338,000 | 31,811,000 | 42,665,000 |
| Noninterest expense | 28,210,000 | 59,993,000 | 94,074,000 | 127,640,000 |
| Provision for loan losses | 1,754,000 | 4,157,000 | 7,161,000 | 10,265,000 |
| Pretax income | 18,162,000 | 35,663,000 | 53,506,000 | 72,310,000 |
| Income tax | 6,492,000 | 12,748,000 | 19,128,000 | 25,896,000 |
| Net income | 11,670,000 | 22,915,000 | 34,378,000 | 46,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 292,881,000 | 304,655,000 | 314,569,000 | 306,833,000 |
| Total capital | 345,826,000 | 358,858,000 | 370,629,000 | 414,469,000 |
| Risk-weighted assets | 3,172,819,000 | 3,378,058,000 | 3,499,294,000 | 3,692,881,000 |