Call reports 2002
UNITED COMMUNITY BANK METRO — 2002
What UNITED COMMUNITY BANK METRO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 191,291,000 | 211,443,000 | 223,709,000 |
| Total loans | 145,495,000 | 158,280,000 | 167,792,000 |
| Allowance for loan losses | 1,721,000 | 1,772,000 | 1,855,000 |
| Securities available for sale | 18,317,000 | 13,565,000 | 17,157,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 171,567,000 | 182,801,000 | 197,723,000 |
| Interest-bearing deposits | 148,912,000 | 157,220,000 | 173,341,000 |
| Noninterest-bearing deposits | 22,655,000 | 25,581,000 | 24,382,000 |
| Equity capital | 14,725,000 | 17,831,000 | 18,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Interest income | 2,814,000 | 5,950,000 | 9,054,000 |
| Interest expense | 1,177,000 | 2,535,000 | 4,002,000 |
| Net interest income | 1,637,000 | 3,415,000 | 5,052,000 |
| Noninterest income | 349,000 | 811,000 | 1,311,000 |
| Noninterest expense | 1,600,000 | 3,074,000 | 4,622,000 |
| Provision for loan losses | 60,000 | 120,000 | 209,000 |
| Pretax income | 326,000 | 1,032,000 | 1,532,000 |
| Income tax | 111,000 | 351,000 | 526,000 |
| Net income | 215,000 | 681,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 14,527,000 | 17,493,000 | 17,818,000 |
| Total capital | 16,248,000 | 19,265,000 | 19,673,000 |
| Risk-weighted assets | 161,160,000 | 185,049,000 | 190,430,000 |