Call reports 2010
UNITED COMMUNITY BANK — 2010
What UNITED COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 7,821,525,000 | 7,640,739,000 | 6,998,842,000 | 7,269,318,000 |
| Total loans | 5,093,592,000 | 4,976,490,000 | 4,855,302,000 | 4,708,229,000 |
| Allowance for loan losses | 173,934,000 | 174,111,000 | 174,613,000 | 174,695,000 |
| Securities available for sale | 1,707,372,000 | 1,311,550,000 | 1,159,645,000 | 1,663,528,000 |
| Securities held to maturity | 0 | 322,148,000 | 256,694,000 | 265,807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,515,589,000 | 6,354,173,000 | 6,018,490,000 | 6,484,842,000 |
| Interest-bearing deposits | 5,765,644,000 | 5,565,521,000 | 5,226,974,000 | 5,684,414,000 |
| Noninterest-bearing deposits | 749,945,000 | 788,652,000 | 791,516,000 | 800,428,000 |
| Equity capital | 1,008,225,000 | 993,344,000 | 753,571,000 | 572,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 89,354,000 | 176,549,000 | 260,396,000 | 341,095,000 |
| Interest expense | 26,317,000 | 50,131,000 | 72,220,000 | 90,960,000 |
| Net interest income | 63,037,000 | 126,418,000 | 188,176,000 | 250,135,000 |
| Noninterest income | 7,751,000 | 8,521,000 | 3,792,000 | 197,000 |
| Noninterest expense | 49,547,000 | 141,949,000 | 402,733,000 | 451,278,000 |
| Provision for loan losses | 75,000,000 | 136,500,000 | 187,000,000 | 223,000,000 |
| Pretax income | -53,698,000 | -143,449,000 | -395,213,000 | -421,394,000 |
| Income tax | -21,417,000 | -57,076,000 | -73,323,000 | 61,970,000 |
| Net income | -32,281,000 | -86,373,000 | -321,890,000 | -483,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 664,163,000 | 611,990,000 | 567,428,000 | 540,183,000 |
| Total capital | 761,777,000 | 707,393,000 | 655,047,000 | 627,829,000 |
| Risk-weighted assets | 5,302,838,000 | 5,123,508,000 | 4,978,512,000 | 4,980,594,000 |