Call reports 2008
UNITED COMMUNITY BANK — 2008
What UNITED COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 8,379,863,000 | 8,258,437,000 | 8,098,573,000 | 8,574,452,000 |
| Total loans | 5,996,290,000 | 5,960,235,000 | 5,847,700,000 | 5,725,195,000 |
| Allowance for loan losses | 89,848,000 | 91,035,000 | 111,299,000 | 122,271,000 |
| Securities available for sale | 1,505,386,000 | 1,426,573,000 | 1,397,910,000 | 1,982,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,194,163,000 | 6,713,083,000 | 6,730,994,000 | 7,051,348,000 |
| Interest-bearing deposits | 5,487,205,000 | 6,000,397,000 | 6,010,354,000 | 6,386,359,000 |
| Noninterest-bearing deposits | 706,958,000 | 712,686,000 | 720,640,000 | 664,989,000 |
| Equity capital | 889,846,000 | 931,594,000 | 889,515,000 | 1,061,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 129,238,000 | 246,421,000 | 358,836,000 | 467,265,000 |
| Interest expense | 61,691,000 | 116,074,000 | 167,761,000 | 222,418,000 |
| Net interest income | 67,547,000 | 130,347,000 | 191,075,000 | 244,847,000 |
| Noninterest income | 14,941,000 | 28,353,000 | 31,743,000 | 40,498,000 |
| Noninterest expense | 48,988,000 | 98,429,000 | 146,025,000 | 198,283,000 |
| Provision for loan losses | 7,500,000 | 23,000,000 | 99,000,000 | 184,000,000 |
| Pretax income | 26,000,000 | 37,628,000 | -21,731,000 | -95,624,000 |
| Income tax | 9,359,000 | 13,580,000 | -7,272,000 | -35,280,000 |
| Net income | 16,641,000 | 24,048,000 | -14,459,000 | -60,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 533,270,000 | 614,274,000 | 556,297,000 | 690,905,000 |
| Total capital | 685,329,000 | 690,851,000 | 662,716,000 | 797,079,000 |
| Risk-weighted assets | 6,313,957,000 | 6,111,731,000 | 6,078,606,000 | 6,047,820,000 |