Call reports 2009
UNITED COMMUNITY BANK — 2009
What UNITED COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 183,450,000 | 183,559,000 | 178,148,000 | 182,293,000 |
| Total loans | 146,341,000 | 144,776,000 | 146,649,000 | 149,437,000 |
| Allowance for loan losses | 1,368,000 | 1,358,000 | 1,383,000 | 1,383,000 |
| Securities available for sale | 11,777,000 | 6,496,000 | 10,138,000 | 9,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,607,000 | 158,847,000 | 151,053,000 | 151,940,000 |
| Interest-bearing deposits | 147,361,000 | 147,475,000 | 137,656,000 | 135,938,000 |
| Noninterest-bearing deposits | 11,246,000 | 11,372,000 | 13,397,000 | 16,002,000 |
| Equity capital | 19,681,000 | 19,376,000 | 19,722,000 | 19,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,178,000 | 4,430,000 | 6,660,000 | 8,882,000 |
| Interest expense | 712,000 | 1,400,000 | 1,972,000 | 2,454,000 |
| Net interest income | 1,466,000 | 3,030,000 | 4,688,000 | 6,428,000 |
| Noninterest income | 249,000 | 526,000 | 771,000 | 1,005,000 |
| Noninterest expense | 1,401,000 | 2,816,000 | 4,131,000 | 5,571,000 |
| Provision for loan losses | 370,000 | 370,000 | 370,000 | 370,000 |
| Pretax income | -27,000 | 530,000 | 1,118,000 | 1,652,000 |
| Income tax | 0 | 23,000 | 45,000 | 75,000 |
| Net income | -27,000 | 507,000 | 1,073,000 | 1,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,038,000 | 16,071,000 | 16,138,000 | 16,092,000 |
| Total capital | 17,406,000 | 17,429,000 | 17,521,000 | 17,475,000 |
| Risk-weighted assets | 153,178,000 | 154,971,000 | 155,811,000 | 158,413,000 |