Call reports 2015
UNITED COMMUNITY BANK — 2015
What UNITED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 7,626,994,000 | 7,867,212,000 | 9,376,639,000 | 9,592,631,000 |
| Total loans | 4,803,412,000 | 4,957,965,000 | 6,046,673,000 | 6,019,672,000 |
| Allowance for loan losses | 70,006,000 | 70,110,000 | 69,062,000 | 68,448,000 |
| Securities available for sale | 1,800,025,000 | 1,885,190,000 | 2,098,008,000 | 2,289,706,000 |
| Securities held to maturity | 399,228,000 | 379,756,000 | 357,549,000 | 364,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,485,363,000 | 6,498,967,000 | 7,960,367,000 | 7,932,973,000 |
| Interest-bearing deposits | 4,788,990,000 | 4,721,012,000 | 5,783,721,000 | 5,726,652,000 |
| Noninterest-bearing deposits | 1,696,373,000 | 1,777,955,000 | 2,176,646,000 | 2,206,321,000 |
| Equity capital | 801,183,000 | 814,925,000 | 1,100,441,000 | 1,112,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 62,529,000 | 126,158,000 | 199,165,000 | 278,527,000 |
| Interest expense | 2,643,000 | 5,124,000 | 7,946,000 | 10,823,000 |
| Net interest income | 59,886,000 | 121,034,000 | 191,219,000 | 267,704,000 |
| Noninterest income | 14,646,000 | 31,605,000 | 50,588,000 | 71,576,000 |
| Noninterest expense | 43,283,000 | 89,454,000 | 145,823,000 | 210,257,000 |
| Provision for loan losses | 950,000 | 1,960,000 | 2,400,000 | 3,088,000 |
| Pretax income | 31,838,000 | 62,777,000 | 95,461,000 | 128,190,000 |
| Income tax | 11,493,000 | 22,594,000 | 34,623,000 | 45,145,000 |
| Net income | 20,345,000 | 40,183,000 | 60,838,000 | 83,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 661,072,000 | 690,533,000 | 851,513,000 | 877,169,000 |
| Total capital | 732,097,000 | 763,223,000 | 923,505,000 | 948,159,000 |
| Risk-weighted assets | 5,591,547,000 | 5,760,385,000 | 6,607,260,000 | 6,743,560,000 |