Call reports 2005
UNITED COMMUNITY BANK — 2005
What UNITED COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 202,636,000 | 203,484,000 | 202,610,000 | 210,536,000 |
| Total loans | 184,609,000 | 178,844,000 | 182,968,000 | 182,980,000 |
| Allowance for loan losses | 1,760,000 | 1,804,000 | 1,814,000 | 1,813,000 |
| Securities available for sale | 1,324,000 | 921,000 | 913,000 | 909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,792,000 | 179,578,000 | 175,359,000 | 186,731,000 |
| Interest-bearing deposits | 168,366,000 | 165,293,000 | 164,784,000 | 173,262,000 |
| Noninterest-bearing deposits | 10,426,000 | 14,285,000 | 10,575,000 | 13,469,000 |
| Equity capital | 18,800,000 | 19,234,000 | 19,280,000 | 19,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,817,000 | 5,766,000 | 8,745,000 | 11,831,000 |
| Interest expense | 1,056,000 | 2,241,000 | 3,505,000 | 4,923,000 |
| Net interest income | 1,761,000 | 3,525,000 | 5,240,000 | 6,908,000 |
| Noninterest income | 250,000 | 512,000 | 797,000 | 1,069,000 |
| Noninterest expense | 1,304,000 | 2,655,000 | 3,968,000 | 5,564,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 647,000 | 1,262,000 | 1,889,000 | 2,233,000 |
| Income tax | 38,000 | 75,000 | 100,000 | 91,000 |
| Net income | 609,000 | 1,187,000 | 1,789,000 | 2,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,510,000 | 15,938,000 | 15,990,000 | 15,743,000 |
| Total capital | 17,270,000 | 17,742,000 | 17,804,000 | 17,556,000 |
| Risk-weighted assets | 173,212,000 | 172,985,000 | 177,570,000 | 180,230,000 |