Vitals
  • Total Assets
    1.2B 4.3 %
  • Total Deposits
    963.4M -1.3 %
  • Total Net Loans
    796.2M 4.2 %
  • Net Income
    5.0M -70.0 %
  • Book Value
    90.2M -0.7 %
  • Book Value x2
    180.5M -0.7 %
  • Book Value x3
    270.7M -0.7 %
ROAA

.435

ROAE

5.59

Efficiency Ratio

52.25

Net Interest Margin

4.139

Balance Sheet Highlights
Financial Highlights United Community Bank All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 1,168,284 1,129,320
Total Net Loans 796,234 774,390
Total Deposits 963,422 851,648
Total Equity 90,231 127,503
Profitability
Net Income 4,967 340,877
Return on Average Assets .435 .907
Return on Average Equity 5.59 8.991
Net Interest Margin 4.139 4.015
Efficiency Ratio 52.25 78.875
Noninterest Income/Revenue 10.94 71.027
Balance Sheet Ratios
Loan-to-Deposit 82.646 96.591
Securities/Assets .231 4.226
Total Equity/Total Assets .077 .113
Tangible Equity/Tangible Assets .067 -2.447
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 77,740 95,643
Tier 2 Capital 17,765 46,108
Total Capital 95,505 111,064
Total Risk Weighted Assets 860,858 877,478
Leverage Ratio 6.75 11.387
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.03 12.981
Total Capital Ratio 11.09 14.272

Timeline for United Community Bank

United Community Bank

United Community Bank was acquired by United Community Bank 16 years

View Profile Feb 01 2008

Ucb North Carolina Properties, Inc.

Ucb North Carolina Properties, Inc. became a new subsidiary organization for United Community Bank.

View Profile Dec 29 2006

Carolina Holdings, Inc.

Carolina Holdings, Inc. became a new subsidiary organization for United Community Bank.

View Profile Mar 01 2000

United Community Banks, Inc.

United Community Banks, Inc. became a new parent organization for United Community Bank.

View Profile Mar 14 1990

United Community Bank

United Community Bank was established 40 years ago and is currently headquartered in Murphy, NC.

Jul 12 1983
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
United Community Bank Buyer 10,278,851 Pooling of Interests Discontinued 2/1/2008
Relationships Role Relationship Start Relationship End
United Community Banks, Inc. Parent 3/14/1990 1/31/2008
Carolina Holdings, Inc. Subsidary 6/30/2007 1/31/2008
Ucb North Carolina Properties, Inc. Subsidary 6/30/2007 1/31/2008
Carolina Holdings, Inc. Subsidary 3/1/2000 6/29/2007
Ucb North Carolina Properties, Inc. Subsidary 12/29/2006 6/29/2007
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