Call reports 2016
UNITED COMMUNITY BANK — 2016
What UNITED COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 201,958,000 | 205,615,000 | 202,812,000 | 205,894,000 |
| Total loans | 182,072,000 | 185,961,000 | 184,591,000 | 177,783,000 |
| Allowance for loan losses | 1,848,000 | 1,908,000 | 1,965,000 | 2,028,000 |
| Securities available for sale | 1,917,000 | 1,784,000 | 1,779,000 | 4,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,217,000 | 162,562,000 | 164,930,000 | 179,198,000 |
| Interest-bearing deposits | 144,870,000 | 139,190,000 | 139,173,000 | 149,391,000 |
| Noninterest-bearing deposits | 24,347,000 | 23,372,000 | 25,757,000 | 29,807,000 |
| Equity capital | 21,032,000 | 21,236,000 | 21,491,000 | 21,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,270,000 | 6,444,000 | 8,580,000 |
| Interest expense | 158,000 | 329,000 | 514,000 | 714,000 |
| Net interest income | 1,941,000 | 3,941,000 | 5,930,000 | 7,866,000 |
| Noninterest income | 278,000 | 541,000 | 887,000 | 1,150,000 |
| Noninterest expense | 1,543,000 | 2,806,000 | 4,057,000 | 5,391,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 210,000 |
| Pretax income | 619,000 | 1,559,000 | 2,583,000 | 3,388,000 |
| Income tax | 39,000 | 78,000 | 117,000 | 163,000 |
| Net income | 580,000 | 1,481,000 | 2,466,000 | 3,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,722,000 | 17,923,000 | 18,183,000 | 18,217,000 |
| Total capital | 19,570,000 | 19,831,000 | 20,148,000 | 20,245,000 |
| Risk-weighted assets | 184,689,000 | 188,169,000 | 189,106,000 | 182,895,000 |