Call reports 2002
UNIFIED BANK — 2002
What UNIFIED BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 240,538,000 | 246,575,000 | 252,565,000 | 257,981,000 |
| Total loans | 133,026,000 | 133,430,000 | 133,995,000 | 134,865,000 |
| Allowance for loan losses | 2,266,000 | 2,329,000 | 2,377,000 | 2,386,000 |
| Securities available for sale | 72,981,000 | 78,898,000 | 78,538,000 | 90,765,000 |
| Securities held to maturity | 12,022,000 | 12,028,000 | 12,035,000 | 12,926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,782,000 | 212,913,000 | 217,786,000 | 214,691,000 |
| Interest-bearing deposits | 190,857,000 | 190,933,000 | 197,763,000 | 194,493,000 |
| Noninterest-bearing deposits | 17,925,000 | 21,980,000 | 20,023,000 | 20,198,000 |
| Equity capital | 19,847,000 | 21,613,000 | 22,226,000 | 22,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,958,000 | 7,937,000 | 11,881,000 | 16,016,000 |
| Interest expense | 1,614,000 | 3,169,000 | 4,750,000 | 6,260,000 |
| Net interest income | 2,344,000 | 4,768,000 | 7,131,000 | 9,756,000 |
| Noninterest income | 386,000 | 747,000 | 1,190,000 | 1,693,000 |
| Noninterest expense | 1,657,000 | 3,283,000 | 4,959,000 | 6,741,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 983,000 | 2,057,000 | 3,097,000 | 4,430,000 |
| Income tax | 264,000 | 553,000 | 796,000 | 1,117,000 |
| Net income | 719,000 | 1,504,000 | 2,301,000 | 3,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,622,000 | 21,033,000 | 21,448,000 | 21,005,000 |
| Total capital | 22,563,000 | 23,071,000 | 23,520,000 | 23,085,000 |
| Risk-weighted assets | 154,507,000 | 162,050,000 | 164,811,000 | 165,455,000 |