Call reports 2021
UNITED COMMUNITY BANK — 2021
What UNITED COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 253,222,000 | 248,683,000 | 257,288,000 | 253,937,000 |
| Total loans | 170,585,000 | 165,617,000 | 172,626,000 | 181,800,000 |
| Allowance for loan losses | 2,747,000 | 2,017,000 | 1,867,000 | 1,900,000 |
| Securities available for sale | 14,187,000 | 39,403,000 | 50,799,000 | 50,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,239,000 | 220,561,000 | 229,345,000 | 223,390,000 |
| Interest-bearing deposits | 189,987,000 | 184,471,000 | 190,710,000 | 189,098,000 |
| Noninterest-bearing deposits | 35,252,000 | 36,090,000 | 38,635,000 | 34,292,000 |
| Equity capital | 24,088,000 | 24,129,000 | 23,948,000 | 23,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,430,000 | 4,555,000 | 6,454,000 | 8,490,000 |
| Interest expense | 183,000 | 307,000 | 391,000 | 461,000 |
| Net interest income | 2,247,000 | 4,248,000 | 6,063,000 | 8,029,000 |
| Noninterest income | 314,000 | 583,000 | 846,000 | 1,110,000 |
| Noninterest expense | 1,364,000 | 2,705,000 | 4,039,000 | 5,415,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,047,000 | 1,826,000 | 2,420,000 | 3,124,000 |
| Income tax | 37,000 | 74,000 | 111,000 | 148,000 |
| Net income | 1,010,000 | 1,752,000 | 2,309,000 | 2,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,753,000 | 20,846,000 | 20,752,000 | 20,770,000 |
| Total capital | 22,778,000 | 22,863,000 | 22,619,000 | 22,670,000 |
| Risk-weighted assets | 161,304,000 | 162,244,000 | 170,645,000 | 186,478,000 |