Call reports 2023
UNITED COMMUNITY BANK — 2023
What UNITED COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 25,814,879,000 | 26,062,994,000 | 26,799,034,000 | 27,241,407,000 |
| Total loans | 17,145,094,000 | 17,421,949,000 | 18,239,917,000 | 18,351,764,000 |
| Allowance for loan losses | 176,534,000 | 190,705,000 | 201,557,000 | 208,071,000 |
| Securities available for sale | 3,315,816,000 | 3,345,456,000 | 3,167,663,000 | 3,316,646,000 |
| Securities held to maturity | 2,584,081,000 | 2,553,834,000 | 2,518,773,000 | 2,490,848,000 |
| Trading assets | 26,163,000 | 30,235,000 | 35,459,000 | 26,522,000 |
| Total deposits | 22,379,255,000 | 22,651,605,000 | 23,281,345,000 | 23,740,291,000 |
| Interest-bearing deposits | 14,799,114,000 | 15,602,069,000 | 16,424,996,000 | 17,132,337,000 |
| Noninterest-bearing deposits | 7,580,141,000 | 7,049,536,000 | 6,856,349,000 | 6,607,954,000 |
| Equity capital | 3,006,167,000 | 3,009,811,000 | 3,071,829,000 | 3,145,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 279,229,000 | 574,800,000 | 897,648,000 | 1,236,227,000 |
| Interest expense | 64,819,000 | 157,356,000 | 275,101,000 | 407,750,000 |
| Net interest income | 214,410,000 | 417,444,000 | 622,547,000 | 828,477,000 |
| Noninterest income | 28,381,000 | 61,305,000 | 92,381,000 | 119,943,000 |
| Noninterest expense | 134,878,000 | 263,891,000 | 404,935,000 | 557,410,000 |
| Provision for loan losses | 21,557,000 | 44,127,000 | 77,900,000 | 94,535,000 |
| Pretax income | 84,486,000 | 168,678,000 | 233,546,000 | 248,247,000 |
| Income tax | 18,982,000 | 38,010,000 | 51,214,000 | 49,410,000 |
| Net income | 65,504,000 | 130,668,000 | 182,332,000 | 198,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,380,709,000 | 2,400,649,000 | 2,457,791,000 | 2,435,962,000 |
| Total capital | 2,553,799,000 | 2,589,591,000 | 2,654,380,000 | 2,638,009,000 |
| Risk-weighted assets | 19,148,302,000 | 19,335,994,000 | 20,039,784,000 | 19,933,429,000 |