Call reports 2005
UNIFIED BANK — 2005
What UNIFIED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 271,549,000 | 280,187,000 | 284,775,000 | 288,747,000 |
| Total loans | 150,616,000 | 156,245,000 | 157,956,000 | 158,411,000 |
| Allowance for loan losses | 2,318,000 | 2,349,000 | 2,176,000 | 2,145,000 |
| Securities available for sale | 83,146,000 | 83,180,000 | 85,218,000 | 88,158,000 |
| Securities held to maturity | 16,852,000 | 20,740,000 | 20,648,000 | 20,262,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,075,000 | 221,222,000 | 227,872,000 | 223,901,000 |
| Interest-bearing deposits | 186,373,000 | 206,889,000 | 212,728,000 | 207,118,000 |
| Noninterest-bearing deposits | 23,702,000 | 14,333,000 | 15,144,000 | 16,783,000 |
| Equity capital | 22,904,000 | 24,220,000 | 24,415,000 | 23,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,589,000 | 7,378,000 | 11,324,000 | 15,379,000 |
| Interest expense | 1,230,000 | 2,620,000 | 4,194,000 | 5,914,000 |
| Net interest income | 2,359,000 | 4,758,000 | 7,130,000 | 9,465,000 |
| Noninterest income | 654,000 | 1,160,000 | 1,656,000 | 2,190,000 |
| Noninterest expense | 1,648,000 | 3,239,000 | 4,879,000 | 6,517,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | 1,308,000 | 2,562,000 | 3,750,000 | 4,981,000 |
| Income tax | 347,000 | 673,000 | 992,000 | 1,317,000 |
| Net income | 961,000 | 1,889,000 | 2,758,000 | 3,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,004,000 | 24,446,000 | 24,856,000 | 25,340,000 |
| Total capital | 26,136,000 | 26,665,000 | 27,039,000 | 27,485,000 |
| Risk-weighted assets | 170,059,000 | 176,972,000 | 179,795,000 | 181,809,000 |