Call reports 2003
UNITED COMMUNITY BANK — 2003
What UNITED COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 187,309,000 | 190,919,000 | 186,498,000 | 189,548,000 |
| Total loans | 157,610,000 | 165,155,000 | 162,596,000 | 163,330,000 |
| Allowance for loan losses | 1,574,000 | 1,571,000 | 1,673,000 | 1,658,000 |
| Securities available for sale | 5,603,000 | 5,522,000 | 4,932,000 | 5,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,587,000 | 163,922,000 | 157,981,000 | 159,182,000 |
| Interest-bearing deposits | 150,215,000 | 153,761,000 | 146,845,000 | 146,812,000 |
| Noninterest-bearing deposits | 11,372,000 | 10,161,000 | 11,136,000 | 12,370,000 |
| Equity capital | 19,591,000 | 19,846,000 | 20,230,000 | 19,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,815,000 | 5,590,000 | 8,299,000 | 10,963,000 |
| Interest expense | 863,000 | 1,696,000 | 2,466,000 | 3,201,000 |
| Net interest income | 1,952,000 | 3,894,000 | 5,833,000 | 7,762,000 |
| Noninterest income | 324,000 | 628,000 | 922,000 | 1,194,000 |
| Noninterest expense | 1,239,000 | 2,450,000 | 3,642,000 | 5,311,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 1,069,000 | 2,104,000 | 3,046,000 | 3,578,000 |
| Income tax | 41,000 | 80,000 | 119,000 | 175,000 |
| Net income | 1,028,000 | 2,024,000 | 2,927,000 | 3,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,181,000 | 16,452,000 | 16,855,000 | 16,531,000 |
| Total capital | 17,755,000 | 18,023,000 | 18,528,000 | 18,189,000 |
| Risk-weighted assets | 148,842,000 | 155,080,000 | 153,071,000 | 153,048,000 |