Call reports 2010
UNITED COMMUNITY BANK — 2010
What UNITED COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 176,123,000 | 172,623,000 | 171,713,000 | 175,671,000 |
| Total loans | 146,020,000 | 145,689,000 | 146,855,000 | 145,139,000 |
| Allowance for loan losses | 1,428,000 | 1,473,000 | 1,473,000 | 1,473,000 |
| Securities available for sale | 8,034,000 | 5,690,000 | 3,905,000 | 6,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,273,000 | 143,501,000 | 143,346,000 | 148,818,000 |
| Interest-bearing deposits | 135,527,000 | 130,556,000 | 129,947,000 | 132,654,000 |
| Noninterest-bearing deposits | 12,746,000 | 12,945,000 | 13,399,000 | 16,164,000 |
| Equity capital | 19,704,000 | 19,885,000 | 20,094,000 | 19,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,198,000 | 4,401,000 | 6,559,000 | 8,695,000 |
| Interest expense | 397,000 | 753,000 | 1,082,000 | 1,406,000 |
| Net interest income | 1,801,000 | 3,648,000 | 5,477,000 | 7,289,000 |
| Noninterest income | 289,000 | 532,000 | 850,000 | 1,139,000 |
| Noninterest expense | 1,427,000 | 2,803,000 | 4,367,000 | 6,075,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 618,000 | 1,323,000 | 2,027,000 | 2,420,000 |
| Income tax | 25,000 | 50,000 | 75,000 | 114,000 |
| Net income | 593,000 | 1,273,000 | 1,952,000 | 2,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,185,000 | 16,365,000 | 16,544,000 | 16,248,000 |
| Total capital | 17,613,000 | 17,838,000 | 18,017,000 | 17,721,000 |
| Risk-weighted assets | 153,327,000 | 152,649,000 | 153,318,000 | 153,137,000 |