Call reports 2008
UNITED COMMUNITY BANK — 2008
What UNITED COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 195,909,000 | 193,485,000 | 184,363,000 | 188,002,000 |
| Total loans | 174,017,000 | 169,194,000 | 161,768,000 | 154,725,000 |
| Allowance for loan losses | 1,816,000 | 1,707,000 | 1,737,000 | 1,897,000 |
| Securities available for sale | 3,495,000 | 5,963,000 | 5,076,000 | 14,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,546,000 | 162,757,000 | 157,402,000 | 159,149,000 |
| Interest-bearing deposits | 159,977,000 | 150,890,000 | 144,922,000 | 144,984,000 |
| Noninterest-bearing deposits | 10,569,000 | 11,867,000 | 12,480,000 | 14,165,000 |
| Equity capital | 20,009,000 | 20,624,000 | 20,671,000 | 20,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,948,000 | 5,632,000 | 8,264,000 | 10,671,000 |
| Interest expense | 1,254,000 | 2,277,000 | 3,189,000 | 4,063,000 |
| Net interest income | 1,694,000 | 3,355,000 | 5,075,000 | 6,608,000 |
| Noninterest income | 252,000 | 493,000 | 744,000 | 991,000 |
| Noninterest expense | 1,291,000 | 2,642,000 | 3,881,000 | 5,472,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 510,000 |
| Pretax income | 662,000 | 1,183,000 | 1,885,000 | 1,644,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 80,000 |
| Net income | 632,000 | 1,123,000 | 1,795,000 | 1,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,653,000 | 17,344,000 | 17,391,000 | 16,535,000 |
| Total capital | 18,469,000 | 19,051,000 | 19,128,000 | 18,432,000 |
| Risk-weighted assets | 172,533,000 | 168,237,000 | 160,618,000 | 157,855,000 |