Call reports 2004
UNIFIED BANK — 2004
What UNIFIED BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 263,427,000 | 271,030,000 | 268,231,000 | 271,485,000 |
| Total loans | 142,068,000 | 144,731,000 | 145,907,000 | 146,592,000 |
| Allowance for loan losses | 2,206,000 | 2,253,000 | 2,242,000 | 2,292,000 |
| Securities available for sale | 87,843,000 | 90,439,000 | 85,953,000 | 90,946,000 |
| Securities held to maturity | 15,250,000 | 16,023,000 | 16,021,000 | 14,948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,753,000 | 213,762,000 | 210,288,000 | 208,737,000 |
| Interest-bearing deposits | 194,128,000 | 190,790,000 | 187,404,000 | 185,638,000 |
| Noninterest-bearing deposits | 21,625,000 | 22,972,000 | 22,884,000 | 23,099,000 |
| Equity capital | 22,506,000 | 21,200,000 | 23,038,000 | 23,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,494,000 | 7,013,000 | 10,615,000 | 14,183,000 |
| Interest expense | 1,243,000 | 2,472,000 | 3,685,000 | 4,892,000 |
| Net interest income | 2,251,000 | 4,541,000 | 6,930,000 | 9,291,000 |
| Noninterest income | 473,000 | 950,000 | 1,439,000 | 1,832,000 |
| Noninterest expense | 1,682,000 | 3,255,000 | 4,908,000 | 6,505,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 1,074,000 | 2,208,000 | 3,375,000 | 4,494,000 |
| Income tax | 275,000 | 579,000 | 866,000 | 1,152,000 |
| Net income | 799,000 | 1,629,000 | 2,509,000 | 3,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,224,000 | 22,679,000 | 23,094,000 | 23,482,000 |
| Total capital | 24,242,000 | 24,759,000 | 25,161,000 | 25,561,000 |
| Risk-weighted assets | 160,759,000 | 165,711,000 | 164,744,000 | 165,624,000 |