Call reports 2004
UNITED COMMUNITY BANK — 2004
What UNITED COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 191,957,000 | 196,813,000 | 197,683,000 | 202,312,000 |
| Total loans | 166,402,000 | 175,170,000 | 176,068,000 | 182,264,000 |
| Allowance for loan losses | 1,647,000 | 1,649,000 | 1,742,000 | 1,704,000 |
| Securities available for sale | 5,593,000 | 4,168,000 | 4,046,000 | 1,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,277,000 | 157,697,000 | 172,823,000 | 178,689,000 |
| Interest-bearing deposits | 147,960,000 | 145,910,000 | 162,760,000 | 164,867,000 |
| Noninterest-bearing deposits | 10,317,000 | 11,787,000 | 10,063,000 | 13,822,000 |
| Equity capital | 19,138,000 | 18,966,000 | 19,253,000 | 18,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,595,000 | 5,233,000 | 7,993,000 | 10,832,000 |
| Interest expense | 725,000 | 1,486,000 | 2,386,000 | 3,333,000 |
| Net interest income | 1,870,000 | 3,747,000 | 5,607,000 | 7,499,000 |
| Noninterest income | 250,000 | 527,000 | 802,000 | 1,074,000 |
| Noninterest expense | 1,237,000 | 2,518,000 | 3,749,000 | 5,583,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 883,000 | 1,756,000 | 2,560,000 | 2,893,000 |
| Income tax | 34,000 | 74,000 | 115,000 | 123,000 |
| Net income | 849,000 | 1,682,000 | 2,445,000 | 2,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,780,000 | 15,663,000 | 15,926,000 | 15,526,000 |
| Total capital | 17,427,000 | 17,312,000 | 17,668,000 | 17,230,000 |
| Risk-weighted assets | 155,362,000 | 163,496,000 | 165,459,000 | 171,751,000 |