Call reports 2003
UNIFIED BANK — 2003
What UNIFIED BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 257,865,000 | 268,634,000 | 263,053,000 | 266,582,000 |
| Total loans | 136,213,000 | 138,191,000 | 140,345,000 | 138,325,000 |
| Allowance for loan losses | 2,453,000 | 2,466,000 | 2,446,000 | 2,185,000 |
| Securities available for sale | 70,634,000 | 93,436,000 | 89,428,000 | 92,871,000 |
| Securities held to maturity | 13,318,000 | 14,363,000 | 14,271,000 | 15,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,304,000 | 219,063,000 | 221,921,000 | 218,124,000 |
| Interest-bearing deposits | 194,385,000 | 196,063,000 | 197,853,000 | 195,361,000 |
| Noninterest-bearing deposits | 19,919,000 | 23,000,000 | 24,068,000 | 22,763,000 |
| Equity capital | 22,115,000 | 22,330,000 | 21,670,000 | 21,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,797,000 | 7,476,000 | 11,146,000 | 14,860,000 |
| Interest expense | 1,312,000 | 2,592,000 | 3,840,000 | 5,101,000 |
| Net interest income | 2,485,000 | 4,884,000 | 7,306,000 | 9,759,000 |
| Noninterest income | 520,000 | 1,082,000 | 1,652,000 | 2,140,000 |
| Noninterest expense | 1,761,000 | 3,478,000 | 5,267,000 | 6,881,000 |
| Provision for loan losses | 75,000 | 150,000 | 210,000 | 240,000 |
| Pretax income | 1,209,000 | 2,448,000 | 3,635,000 | 4,932,000 |
| Income tax | 311,000 | 627,000 | 890,000 | 1,257,000 |
| Net income | 898,000 | 1,821,000 | 2,745,000 | 3,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,413,000 | 21,421,000 | 21,831,000 | 21,834,000 |
| Total capital | 23,507,000 | 23,546,000 | 23,900,000 | 23,894,000 |
| Risk-weighted assets | 166,692,000 | 169,154,000 | 164,525,000 | 163,914,000 |