Call reports 2007
UNITED COMMUNITY BANK — 2007
What UNITED COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 6,056,327,000 | 6,171,865,000 | 7,002,792,000 | 7,056,158,000 |
| Total loans | 4,651,892,000 | 4,669,672,000 | 5,142,942,000 | 5,151,268,000 |
| Allowance for loan losses | 59,536,000 | 60,959,000 | 66,211,000 | 79,658,000 |
| Securities available for sale | 871,809,000 | 935,970,000 | 1,029,409,000 | 1,083,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,851,142,000 | 4,807,784,000 | 5,188,128,000 | 5,128,306,000 |
| Interest-bearing deposits | 4,340,816,000 | 4,294,948,000 | 4,618,952,000 | 4,583,815,000 |
| Noninterest-bearing deposits | 510,326,000 | 512,836,000 | 569,176,000 | 544,491,000 |
| Equity capital | 568,613,000 | 547,672,000 | 795,611,000 | 808,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 108,604,000 | 220,251,000 | 347,537,000 | 467,349,000 |
| Interest expense | 54,287,000 | 111,169,000 | 175,497,000 | 236,008,000 |
| Net interest income | 54,317,000 | 109,082,000 | 172,040,000 | 231,341,000 |
| Noninterest income | 12,666,000 | 25,912,000 | 39,629,000 | 52,866,000 |
| Noninterest expense | 38,184,000 | 76,930,000 | 118,661,000 | 162,115,000 |
| Provision for loan losses | 3,375,000 | 6,750,000 | 10,125,000 | 36,300,000 |
| Pretax income | 25,631,000 | 52,907,000 | 84,758,000 | 88,723,000 |
| Income tax | 9,419,000 | 19,202,000 | 30,612,000 | 32,106,000 |
| Net income | 16,212,000 | 33,705,000 | 54,146,000 | 56,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 415,173,000 | 408,749,000 | 484,436,000 | 487,988,000 |
| Total capital | 539,709,000 | 534,708,000 | 615,647,000 | 620,653,000 |
| Risk-weighted assets | 4,842,302,000 | 4,885,652,000 | 5,409,598,000 | 5,401,228,000 |