Call reports 2006
UNIFIED BANK — 2006
What UNIFIED BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 296,034,000 | 300,340,000 | 306,369,000 | 302,719,000 |
| Total loans | 156,755,000 | 159,839,000 | 161,304,000 | 160,657,000 |
| Allowance for loan losses | 2,137,000 | 2,140,000 | 2,146,000 | 1,604,000 |
| Securities available for sale | 96,168,000 | 97,659,000 | 104,555,000 | 105,021,000 |
| Securities held to maturity | 19,895,000 | 19,659,000 | 18,822,000 | 17,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,335,000 | 236,466,000 | 245,482,000 | 243,934,000 |
| Interest-bearing deposits | 217,707,000 | 219,555,000 | 229,030,000 | 229,408,000 |
| Noninterest-bearing deposits | 15,628,000 | 16,911,000 | 16,452,000 | 14,526,000 |
| Equity capital | 23,824,000 | 23,205,000 | 25,270,000 | 21,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,181,000 | 8,614,000 | 13,266,000 | 17,942,000 |
| Interest expense | 1,858,000 | 3,954,000 | 6,248,000 | 8,637,000 |
| Net interest income | 2,323,000 | 4,660,000 | 7,018,000 | 9,305,000 |
| Noninterest income | 513,000 | 1,010,000 | 1,620,000 | 2,210,000 |
| Noninterest expense | 1,648,000 | 3,331,000 | 5,013,000 | 6,647,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 178,000 |
| Pretax income | 1,149,000 | 2,261,000 | 3,508,000 | 4,691,000 |
| Income tax | 302,000 | 578,000 | 898,000 | 1,186,000 |
| Net income | 847,000 | 1,683,000 | 2,610,000 | 3,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,726,000 | 26,150,000 | 26,600,000 | 22,266,000 |
| Total capital | 27,863,000 | 28,290,000 | 28,746,000 | 23,870,000 |
| Risk-weighted assets | 182,420,000 | 187,603,000 | 188,505,000 | 182,912,000 |