Call reports 2001
UNIFIED BANK — 2001
What UNIFIED BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 252,876,000 | 252,338,000 | 243,768,000 | 241,648,000 |
| Total loans | 143,443,000 | 139,396,000 | 135,438,000 | 135,338,000 |
| Allowance for loan losses | 2,206,000 | 2,207,000 | 2,163,000 | 2,206,000 |
| Securities available for sale | 85,991,000 | 88,575,000 | 82,383,000 | 67,508,000 |
| Securities held to maturity | 9,586,000 | 8,592,000 | 9,343,000 | 10,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,100,000 | 203,500,000 | 207,828,000 | 210,035,000 |
| Interest-bearing deposits | 188,424,000 | 187,535,000 | 191,843,000 | 191,359,000 |
| Noninterest-bearing deposits | 14,676,000 | 15,965,000 | 15,985,000 | 18,676,000 |
| Equity capital | 20,863,000 | 21,320,000 | 22,069,000 | 20,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,619,000 | 9,312,000 | 13,851,000 | 18,032,000 |
| Interest expense | 2,369,000 | 4,661,000 | 6,778,000 | 8,595,000 |
| Net interest income | 2,250,000 | 4,651,000 | 7,073,000 | 9,437,000 |
| Noninterest income | 350,000 | 1,095,000 | 1,474,000 | 1,921,000 |
| Noninterest expense | 1,525,000 | 3,156,000 | 4,746,000 | 6,324,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 955,000 | 2,350,000 | 3,441,000 | 4,559,000 |
| Income tax | 237,000 | 584,000 | 895,000 | 1,221,000 |
| Net income | 718,000 | 1,766,000 | 2,546,000 | 3,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,720,000 | 21,390,000 | 21,372,000 | 20,280,000 |
| Total capital | 22,724,000 | 23,323,000 | 23,244,000 | 22,229,000 |
| Risk-weighted assets | 159,527,000 | 154,525,000 | 149,019,000 | 154,589,000 |