Call reports 2020
UNITED COMMUNITY BANK — 2020
What UNITED COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 214,026,000 | 221,998,000 | 223,827,000 | 242,276,000 |
| Total loans | 186,349,000 | 194,515,000 | 190,936,000 | 169,260,000 |
| Allowance for loan losses | 2,680,000 | 2,785,000 | 3,192,000 | 2,597,000 |
| Securities available for sale | 3,272,000 | 2,183,000 | 2,176,000 | 2,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,810,000 | 193,981,000 | 195,860,000 | 214,601,000 |
| Interest-bearing deposits | 164,778,000 | 165,471,000 | 165,434,000 | 181,121,000 |
| Noninterest-bearing deposits | 22,032,000 | 28,510,000 | 30,426,000 | 33,480,000 |
| Equity capital | 23,432,000 | 24,158,000 | 24,157,000 | 23,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,476,000 | 5,273,000 | 7,651,000 | 9,797,000 |
| Interest expense | 376,000 | 643,000 | 882,000 | 1,105,000 |
| Net interest income | 2,100,000 | 4,630,000 | 6,769,000 | 8,692,000 |
| Noninterest income | 257,000 | 581,000 | 863,000 | 1,224,000 |
| Noninterest expense | 1,667,000 | 3,006,000 | 4,326,000 | 5,862,000 |
| Provision for loan losses | 30,000 | 135,000 | 540,000 | 945,000 |
| Pretax income | 660,000 | 2,088,000 | 2,784,000 | 3,127,000 |
| Income tax | 42,000 | 83,000 | 125,000 | 148,000 |
| Net income | 618,000 | 2,005,000 | 2,659,000 | 2,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,982,000 | 20,719,000 | 20,723,000 | 20,393,000 |
| Total capital | 22,295,000 | 23,035,000 | 23,004,000 | 22,461,000 |
| Risk-weighted assets | 184,651,000 | 184,815,000 | 181,555,000 | 164,914,000 |