Call reports 2006
UNITED COMMUNITY BANK — 2006
What UNITED COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 4,810,623,000 | 5,277,754,000 | 5,371,319,000 | 5,982,196,000 |
| Total loans | 3,732,376,000 | 4,117,557,000 | 4,234,850,000 | 4,638,561,000 |
| Allowance for loan losses | 44,884,000 | 49,747,000 | 51,967,000 | 57,583,000 |
| Securities available for sale | 677,692,000 | 721,697,000 | 704,816,000 | 829,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,646,492,000 | 4,111,519,000 | 4,381,860,000 | 4,814,749,000 |
| Interest-bearing deposits | 3,183,090,000 | 3,648,305,000 | 3,901,109,000 | 4,215,351,000 |
| Noninterest-bearing deposits | 463,402,000 | 463,214,000 | 480,751,000 | 599,398,000 |
| Equity capital | 385,835,000 | 437,605,000 | 463,456,000 | 550,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 81,910,000 | 179,646,000 | 279,927,000 | 373,321,000 |
| Interest expense | 34,875,000 | 78,031,000 | 125,096,000 | 176,655,000 |
| Net interest income | 47,035,000 | 101,615,000 | 154,831,000 | 196,666,000 |
| Noninterest income | 10,279,000 | 21,036,000 | 32,568,000 | 45,014,000 |
| Noninterest expense | 34,527,000 | 72,709,000 | 110,480,000 | 136,630,000 |
| Provision for loan losses | 3,023,000 | 6,552,000 | 9,927,000 | 13,303,000 |
| Pretax income | 20,035,000 | 43,625,000 | 66,845,000 | 91,342,000 |
| Income tax | 7,303,000 | 15,909,000 | 24,385,000 | 33,323,000 |
| Net income | 12,732,000 | 27,716,000 | 42,460,000 | 58,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 306,710,000 | 347,835,000 | 362,854,000 | 403,076,000 |
| Total capital | 416,594,000 | 462,582,000 | 479,821,000 | 525,659,000 |
| Risk-weighted assets | 3,889,654,000 | 4,314,639,000 | 4,375,136,000 | 4,805,975,000 |