Call reports 2015
UNITED COMMUNITY BANK — 2015
What UNITED COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 200,736,000 | 201,434,000 | 200,488,000 | 204,166,000 |
| Total loans | 174,263,000 | 176,697,000 | 177,350,000 | 180,475,000 |
| Allowance for loan losses | 1,729,000 | 1,759,000 | 1,788,000 | 1,818,000 |
| Securities available for sale | 8,644,000 | 7,934,000 | 5,789,000 | 4,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,592,000 | 167,953,000 | 164,843,000 | 173,507,000 |
| Interest-bearing deposits | 147,961,000 | 142,792,000 | 139,061,000 | 147,059,000 |
| Noninterest-bearing deposits | 24,631,000 | 25,161,000 | 25,782,000 | 26,448,000 |
| Equity capital | 20,313,000 | 20,355,000 | 20,637,000 | 20,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,980,000 | 4,056,000 | 6,127,000 | 8,192,000 |
| Interest expense | 138,000 | 282,000 | 436,000 | 588,000 |
| Net interest income | 1,842,000 | 3,774,000 | 5,691,000 | 7,604,000 |
| Noninterest income | 216,000 | 448,000 | 682,000 | 894,000 |
| Noninterest expense | 1,245,000 | 2,517,000 | 3,766,000 | 5,120,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 783,000 | 1,645,000 | 2,516,000 | 3,250,000 |
| Income tax | 38,000 | 75,000 | 113,000 | 158,000 |
| Net income | 745,000 | 1,570,000 | 2,403,000 | 3,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,070,000 | 17,245,000 | 17,428,000 | 17,817,000 |
| Total capital | 18,799,000 | 19,004,000 | 19,216,000 | 19,635,000 |
| Risk-weighted assets | 178,010,000 | 180,726,000 | 182,509,000 | 186,349,000 |