Call reports 2019
UNITED COMMUNITY BANK — 2019
What UNITED COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 222,634,000 | 218,082,000 | 209,020,000 | 210,018,000 |
| Total loans | 191,990,000 | 187,070,000 | 182,585,000 | 181,341,000 |
| Allowance for loan losses | 2,163,000 | 2,593,000 | 2,622,000 | 2,650,000 |
| Securities available for sale | 7,676,000 | 7,159,000 | 4,182,000 | 3,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,551,000 | 191,557,000 | 182,200,000 | 182,858,000 |
| Interest-bearing deposits | 168,504,000 | 165,506,000 | 153,684,000 | 154,158,000 |
| Noninterest-bearing deposits | 27,047,000 | 26,051,000 | 28,516,000 | 28,700,000 |
| Equity capital | 22,700,000 | 22,726,000 | 23,167,000 | 23,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,554,000 | 5,249,000 | 7,840,000 | 10,376,000 |
| Interest expense | 487,000 | 1,033,000 | 1,510,000 | 1,911,000 |
| Net interest income | 2,067,000 | 4,216,000 | 6,330,000 | 8,465,000 |
| Noninterest income | 215,000 | 470,000 | 813,000 | 1,077,000 |
| Noninterest expense | 1,694,000 | 3,042,000 | 4,342,000 | 5,789,000 |
| Provision for loan losses | 30,000 | 460,000 | 490,000 | 520,000 |
| Pretax income | 558,000 | 1,184,000 | 2,330,000 | 3,252,000 |
| Income tax | 39,000 | 78,000 | 117,000 | 156,000 |
| Net income | 519,000 | 1,106,000 | 2,213,000 | 3,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,462,000 | 19,374,000 | 19,806,000 | 20,014,000 |
| Total capital | 21,625,000 | 21,705,000 | 22,086,000 | 22,257,000 |
| Risk-weighted assets | 190,489,000 | 186,170,000 | 182,070,000 | 179,068,000 |