Call reports 2002
UNITED COMMUNITY BANK — 2002
What UNITED COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 147,822,000 | 196,741,000 | 191,034,000 | 187,856,000 |
| Total loans | 125,207,000 | 156,882,000 | 160,503,000 | 157,631,000 |
| Allowance for loan losses | 1,283,000 | 1,305,000 | 1,543,000 | 1,574,000 |
| Securities available for sale | 4,488,000 | 9,144,000 | 7,876,000 | 7,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,732,000 | 167,903,000 | 161,617,000 | 158,953,000 |
| Interest-bearing deposits | 111,136,000 | 157,717,000 | 151,890,000 | 147,068,000 |
| Noninterest-bearing deposits | 8,596,000 | 10,186,000 | 9,727,000 | 11,885,000 |
| Equity capital | 19,285,000 | 19,956,000 | 20,508,000 | 20,144,000 |
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 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,381,000 | 5,053,000 | 8,057,000 | 10,981,000 |
| Interest expense | 952,000 | 1,922,000 | 2,957,000 | 3,947,000 |
| Net interest income | 1,429,000 | 3,131,000 | 5,100,000 | 7,034,000 |
| Noninterest income | 209,000 | 443,000 | 711,000 | 1,059,000 |
| Noninterest expense | 943,000 | 2,020,000 | 3,248,000 | 4,913,000 |
| Provision for loan losses | 0 | 60,000 | 320,000 | 380,000 |
| Pretax income | 695,000 | 1,494,000 | 2,243,000 | 2,808,000 |
| Income tax | 24,000 | 48,000 | 73,000 | 136,000 |
| Net income | 671,000 | 1,446,000 | 2,170,000 | 2,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,777,000 | 16,552,000 | 17,001,000 | 16,703,000 |
| Total capital | 20,060,000 | 17,857,000 | 18,544,000 | 18,277,000 |
| Risk-weighted assets | 116,753,000 | 150,286,000 | 153,831,000 | 150,855,000 |