Call reports 2012
UNITED COMMUNITY BANK — 2012
What UNITED COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 189,627,000 | 185,038,000 | 189,029,000 | 197,018,000 |
| Total loans | 148,916,000 | 145,993,000 | 146,291,000 | 157,132,000 |
| Allowance for loan losses | 1,501,000 | 1,501,000 | 1,501,000 | 1,459,000 |
| Securities available for sale | 11,677,000 | 15,695,000 | 17,024,000 | 16,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,099,000 | 160,481,000 | 163,950,000 | 171,540,000 |
| Interest-bearing deposits | 143,903,000 | 141,679,000 | 142,009,000 | 148,293,000 |
| Noninterest-bearing deposits | 18,196,000 | 18,802,000 | 21,941,000 | 23,247,000 |
| Equity capital | 20,432,000 | 20,716,000 | 21,384,000 | 21,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,105,000 | 4,139,000 | 6,134,000 | 8,161,000 |
| Interest expense | 240,000 | 474,000 | 691,000 | 887,000 |
| Net interest income | 1,865,000 | 3,665,000 | 5,443,000 | 7,274,000 |
| Noninterest income | 305,000 | 580,000 | 857,000 | 1,161,000 |
| Noninterest expense | 1,278,000 | 2,571,000 | 3,837,000 | 5,439,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 842,000 | 1,624,000 | 2,413,000 | 3,023,000 |
| Income tax | 35,000 | 70,000 | 105,000 | 144,000 |
| Net income | 807,000 | 1,554,000 | 2,308,000 | 2,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,834,000 | 17,031,000 | 17,585,000 | 17,356,000 |
| Total capital | 18,335,000 | 18,532,000 | 19,086,000 | 18,815,000 |
| Risk-weighted assets | 155,543,000 | 153,511,000 | 153,838,000 | 163,867,000 |