Call reports 2014
UNITED COMMUNITY BANK — 2014
What UNITED COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 198,672,000 | 195,292,000 | 193,858,000 | 203,397,000 |
| Total loans | 167,768,000 | 167,505,000 | 169,086,000 | 173,543,000 |
| Allowance for loan losses | 1,609,000 | 1,639,000 | 1,669,000 | 1,699,000 |
| Securities available for sale | 15,118,000 | 10,899,000 | 8,402,000 | 8,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,168,000 | 161,779,000 | 161,829,000 | 176,114,000 |
| Interest-bearing deposits | 143,687,000 | 137,971,000 | 133,602,000 | 146,670,000 |
| Noninterest-bearing deposits | 25,481,000 | 23,808,000 | 28,227,000 | 29,444,000 |
| Equity capital | 19,993,000 | 20,340,000 | 20,535,000 | 20,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,941,000 | 3,905,000 | 5,861,000 | 7,814,000 |
| Interest expense | 145,000 | 285,000 | 422,000 | 557,000 |
| Net interest income | 1,796,000 | 3,620,000 | 5,439,000 | 7,257,000 |
| Noninterest income | 223,000 | 439,000 | 686,000 | 595,000 |
| Noninterest expense | 1,267,000 | 2,515,000 | 3,733,000 | 5,293,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 727,000 | 1,537,000 | 2,340,000 | 2,477,000 |
| Income tax | 35,000 | 70,000 | 105,000 | 118,000 |
| Net income | 692,000 | 1,467,000 | 2,235,000 | 2,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,308,000 | 17,433,000 | 17,551,000 | 16,975,000 |
| Total capital | 18,917,000 | 19,072,000 | 19,220,000 | 18,674,000 |
| Risk-weighted assets | 173,155,000 | 172,650,000 | 176,182,000 | 181,717,000 |