Call reports 2022
UNITED COMMUNITY BANK — 2022
What UNITED COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 249,881,000 | 250,863,000 | 259,464,000 | 263,601,000 |
| Total loans | 181,253,000 | 184,843,000 | 197,168,000 | 199,336,000 |
| Allowance for loan losses | 2,051,000 | 2,201,000 | 2,351,000 | 2,501,000 |
| Securities available for sale | 44,640,000 | 43,616,000 | 41,957,000 | 43,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,490,000 | 220,424,000 | 220,116,000 | 236,358,000 |
| Interest-bearing deposits | 185,778,000 | 179,930,000 | 181,567,000 | 192,617,000 |
| Noninterest-bearing deposits | 37,712,000 | 40,494,000 | 38,549,000 | 43,741,000 |
| Equity capital | 21,145,000 | 20,290,000 | 19,084,000 | 19,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,934,000 | 3,912,000 | 6,005,000 | 8,225,000 |
| Interest expense | 60,000 | 146,000 | 428,000 | 910,000 |
| Net interest income | 1,874,000 | 3,766,000 | 5,577,000 | 7,315,000 |
| Noninterest income | 263,000 | 484,000 | 757,000 | 987,000 |
| Noninterest expense | 1,410,000 | 2,794,000 | 4,205,000 | 5,569,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 562,000 | 1,141,000 | 1,664,000 | 2,118,000 |
| Income tax | 33,000 | 67,000 | 100,000 | 98,000 |
| Net income | 529,000 | 1,074,000 | 1,564,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,799,000 | 20,844,000 | 20,933,000 | 20,990,000 |
| Total capital | 22,850,000 | 23,045,000 | 23,284,000 | 23,468,000 |
| Risk-weighted assets | 184,846,000 | 189,365,000 | 199,769,000 | 198,229,000 |