Call reports 2020
UNITED COMMUNITY BANK — 2020
What UNITED COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 13,058,533,000 | 14,976,428,000 | 17,126,721,000 | 17,766,296,000 |
| Total loans | 9,025,382,000 | 10,231,988,000 | 11,927,497,000 | 11,476,248,000 |
| Allowance for loan losses | 81,905,000 | 103,669,000 | 134,256,000 | 137,010,000 |
| Securities available for sale | 2,246,185,000 | 2,120,594,000 | 2,685,072,000 | 3,218,357,000 |
| Securities held to maturity | 290,404,000 | 306,637,000 | 398,376,000 | 420,361,000 |
| Trading assets | 74,826,000 | 79,903,000 | 87,979,000 | 72,509,000 |
| Total deposits | 11,176,409,000 | 13,025,861,000 | 14,912,599,000 | 15,521,966,000 |
| Interest-bearing deposits | 7,547,970,000 | 8,328,054,000 | 9,674,216,000 | 10,128,536,000 |
| Noninterest-bearing deposits | 3,628,439,000 | 4,697,807,000 | 5,238,383,000 | 5,393,430,000 |
| Equity capital | 1,708,369,000 | 1,757,824,000 | 1,971,218,000 | 2,028,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 136,323,000 | 259,728,000 | 401,008,000 | 556,285,000 |
| Interest expense | 15,123,000 | 26,493,000 | 35,929,000 | 42,735,000 |
| Net interest income | 121,200,000 | 233,235,000 | 365,079,000 | 513,550,000 |
| Noninterest income | 26,906,000 | 66,711,000 | 114,245,000 | 155,337,000 |
| Noninterest expense | 80,994,000 | 170,068,000 | 264,642,000 | 368,975,000 |
| Provision for loan losses | 21,050,000 | 48,963,000 | 70,936,000 | 75,205,000 |
| Pretax income | 46,062,000 | 80,915,000 | 144,492,000 | 225,455,000 |
| Income tax | 8,938,000 | 16,644,000 | 29,156,000 | 48,036,000 |
| Net income | 37,124,000 | 64,271,000 | 115,336,000 | 177,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,351,820,000 | 1,382,891,000 | 1,559,356,000 | 1,625,292,000 |
| Total capital | 1,424,147,000 | 1,475,970,000 | 1,678,689,000 | 1,743,045,000 |
| Risk-weighted assets | 9,957,388,000 | 10,091,674,000 | 11,815,993,000 | 12,207,940,000 |