Call reports 2023
UNITED COMMUNITY BANK — 2023
What UNITED COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 259,353,000 | 264,198,000 | 270,352,000 | 268,797,000 |
| Total loans | 195,270,000 | 200,796,000 | 207,063,000 | 204,419,000 |
| Allowance for loan losses | 2,231,000 | 2,334,000 | 2,409,000 | 2,485,000 |
| Securities available for sale | 44,064,000 | 42,561,000 | 42,058,000 | 43,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,953,000 | 222,875,000 | 222,819,000 | 227,826,000 |
| Interest-bearing deposits | 185,235,000 | 190,109,000 | 191,085,000 | 194,426,000 |
| Noninterest-bearing deposits | 34,718,000 | 32,766,000 | 31,734,000 | 33,400,000 |
| Equity capital | 20,405,000 | 20,140,000 | 20,201,000 | 21,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,290,000 | 4,849,000 | 7,548,000 | 10,341,000 |
| Interest expense | 662,000 | 1,713,000 | 3,004,000 | 4,347,000 |
| Net interest income | 1,628,000 | 3,136,000 | 4,544,000 | 5,994,000 |
| Noninterest income | 232,000 | 492,000 | 727,000 | 955,000 |
| Noninterest expense | 1,401,000 | 2,783,000 | 4,096,000 | 5,444,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 451,000 |
| Pretax income | 309,000 | 545,000 | 800,000 | 1,054,000 |
| Income tax | 13,000 | 23,000 | 34,000 | 48,000 |
| Net income | 296,000 | 522,000 | 766,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,061,000 | 21,112,000 | 21,356,000 | 21,596,000 |
| Total capital | 23,292,000 | 23,446,000 | 23,765,000 | 24,081,000 |
| Risk-weighted assets | 194,297,000 | 200,933,000 | 207,071,000 | 203,330,000 |
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