Call reports 2016
UNITED COMMUNITY BANK — 2016
What UNITED COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 9,747,998,000 | 9,895,880,000 | 10,278,851,000 | 10,694,612,000 |
| Total loans | 6,132,767,000 | 6,316,679,000 | 6,755,924,000 | 6,950,515,000 |
| Allowance for loan losses | 66,310,000 | 64,253,000 | 62,961,000 | 61,422,000 |
| Securities available for sale | 2,402,530,000 | 2,334,386,000 | 2,213,988,000 | 2,431,256,000 |
| Securities held to maturity | 351,700,000 | 341,951,000 | 344,917,000 | 329,843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,033,607,000 | 7,921,425,000 | 8,492,662,000 | 8,686,546,000 |
| Interest-bearing deposits | 5,660,322,000 | 5,532,183,000 | 5,921,230,000 | 6,043,046,000 |
| Noninterest-bearing deposits | 2,373,285,000 | 2,389,242,000 | 2,571,432,000 | 2,643,500,000 |
| Equity capital | 1,103,926,000 | 1,145,627,000 | 1,199,584,000 | 1,201,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 81,003,000 | 162,334,000 | 247,924,000 | 335,754,000 |
| Interest expense | 3,063,000 | 6,520,000 | 10,147,000 | 14,145,000 |
| Net interest income | 77,940,000 | 155,814,000 | 237,777,000 | 321,609,000 |
| Noninterest income | 18,283,000 | 41,301,000 | 66,822,000 | 91,545,000 |
| Noninterest expense | 57,304,000 | 115,095,000 | 177,602,000 | 238,913,000 |
| Provision for loan losses | 0 | -327,000 | -260,000 | -260,000 |
| Pretax income | 39,298,000 | 83,008,000 | 128,179,000 | 175,483,000 |
| Income tax | 14,062,000 | 29,834,000 | 50,174,000 | 69,053,000 |
| Net income | 25,236,000 | 53,174,000 | 78,005,000 | 106,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 868,148,000 | 908,717,000 | 941,211,000 | 984,529,000 |
| Total capital | 936,800,000 | 975,339,000 | 1,006,174,000 | 1,047,953,000 |
| Risk-weighted assets | 6,960,958,000 | 7,107,713,000 | 7,563,674,000 | 7,775,352,000 |