Call reports 2014
UNITED COMMUNITY BANK — 2014
What UNITED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 7,376,836,000 | 7,331,344,000 | 7,491,655,000 | 7,530,159,000 |
| Total loans | 4,385,990,000 | 4,428,300,000 | 4,591,645,000 | 4,688,672,000 |
| Allowance for loan losses | 75,223,000 | 73,248,000 | 71,928,000 | 71,619,000 |
| Securities available for sale | 1,835,104,000 | 1,739,057,000 | 1,787,630,000 | 1,780,678,000 |
| Securities held to maturity | 464,697,000 | 448,752,000 | 432,418,000 | 415,267,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,285,328,000 | 6,199,061,000 | 6,289,853,000 | 6,360,101,000 |
| Interest-bearing deposits | 4,811,351,000 | 4,677,006,000 | 4,726,902,000 | 4,783,192,000 |
| Noninterest-bearing deposits | 1,473,977,000 | 1,522,055,000 | 1,562,951,000 | 1,576,909,000 |
| Equity capital | 811,966,000 | 832,731,000 | 791,211,000 | 810,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 60,134,000 | 121,535,000 | 184,466,000 | 248,416,000 |
| Interest expense | 3,389,000 | 7,169,000 | 10,675,000 | 14,051,000 |
| Net interest income | 56,745,000 | 114,366,000 | 173,791,000 | 234,365,000 |
| Noninterest income | 12,240,000 | 26,345,000 | 40,955,000 | 55,645,000 |
| Noninterest expense | 39,721,000 | 84,008,000 | 125,651,000 | 167,253,000 |
| Provision for loan losses | 2,500,000 | 4,700,000 | 6,535,000 | 8,735,000 |
| Pretax income | 26,981,000 | 56,655,000 | 87,223,000 | 118,893,000 |
| Income tax | 8,173,000 | 19,834,000 | 30,216,000 | 41,807,000 |
| Net income | 18,808,000 | 36,821,000 | 57,007,000 | 77,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 650,609,000 | 680,172,000 | 652,748,000 | 683,332,000 |
| Total capital | 715,091,000 | 743,665,000 | 717,730,000 | 749,927,000 |
| Risk-weighted assets | 5,145,663,000 | 5,067,512,000 | 5,189,322,000 | 5,320,615,000 |