Call reports 2006
UNITED COMMUNITY BANK — 2006
What UNITED COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 211,731,000 | 216,248,000 | 218,565,000 | 213,018,000 |
| Total loans | 188,340,000 | 196,741,000 | 197,959,000 | 185,685,000 |
| Allowance for loan losses | 1,813,000 | 1,800,000 | 1,795,000 | 1,895,000 |
| Securities available for sale | 1,718,000 | 1,474,000 | 1,496,000 | 1,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,728,000 | 185,358,000 | 187,453,000 | 187,526,000 |
| Interest-bearing deposits | 174,135,000 | 174,857,000 | 175,019,000 | 174,458,000 |
| Noninterest-bearing deposits | 11,593,000 | 10,501,000 | 12,434,000 | 13,068,000 |
| Equity capital | 21,028,000 | 20,874,000 | 20,772,000 | 20,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,139,000 | 6,519,000 | 10,086,000 | 13,663,000 |
| Interest expense | 1,489,000 | 3,199,000 | 5,042,000 | 6,904,000 |
| Net interest income | 1,650,000 | 3,320,000 | 5,044,000 | 6,759,000 |
| Noninterest income | 278,000 | 566,000 | 851,000 | 1,138,000 |
| Noninterest expense | 1,319,000 | 2,620,000 | 3,948,000 | 5,588,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 609,000 | 1,266,000 | 1,947,000 | 2,209,000 |
| Income tax | 28,000 | 55,000 | 83,000 | 94,000 |
| Net income | 581,000 | 1,211,000 | 1,864,000 | 2,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,749,000 | 17,604,000 | 17,482,000 | 17,005,000 |
| Total capital | 19,562,000 | 19,404,000 | 19,277,000 | 18,900,000 |
| Risk-weighted assets | 185,910,000 | 193,710,000 | 196,027,000 | 185,057,000 |