Call reports 2013
UNITED COMMUNITY BANK — 2013
What UNITED COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 202,775,000 | 192,175,000 | 201,090,000 | 201,931,000 |
| Total loans | 152,713,000 | 152,411,000 | 162,334,000 | 168,398,000 |
| Allowance for loan losses | 1,489,000 | 1,519,000 | 1,549,000 | 1,579,000 |
| Securities available for sale | 16,847,000 | 16,788,000 | 19,275,000 | 16,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,153,000 | 168,007,000 | 167,596,000 | 171,943,000 |
| Interest-bearing deposits | 152,895,000 | 144,262,000 | 141,318,000 | 144,276,000 |
| Noninterest-bearing deposits | 24,258,000 | 23,745,000 | 26,278,000 | 27,667,000 |
| Equity capital | 20,933,000 | 20,223,000 | 20,069,000 | 19,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,913,000 | 3,814,000 | 5,822,000 | 7,814,000 |
| Interest expense | 182,000 | 351,000 | 509,000 | 663,000 |
| Net interest income | 1,731,000 | 3,463,000 | 5,313,000 | 7,151,000 |
| Noninterest income | 250,000 | 497,000 | 741,000 | 971,000 |
| Noninterest expense | 1,284,000 | 2,568,000 | 3,819,000 | 5,431,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 667,000 | 1,339,000 | 2,152,000 | 2,583,000 |
| Income tax | 35,000 | 70,000 | 105,000 | 123,000 |
| Net income | 632,000 | 1,269,000 | 2,047,000 | 2,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,338,000 | 17,325,000 | 17,453,000 | 17,266,000 |
| Total capital | 18,827,000 | 18,844,000 | 19,002,000 | 18,845,000 |
| Risk-weighted assets | 158,290,000 | 158,696,000 | 168,706,000 | 174,194,000 |