Call reports 2007
UNIFIED BANK — 2007
What UNIFIED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 307,684,000 | 319,976,000 | 440,430,000 | 450,856,000 |
| Total loans | 159,693,000 | 162,237,000 | 227,329,000 | 234,644,000 |
| Allowance for loan losses | 1,599,000 | 1,710,000 | 2,218,000 | 2,447,000 |
| Securities available for sale | 105,375,000 | 117,841,000 | 159,398,000 | 165,323,000 |
| Securities held to maturity | 17,278,000 | 16,827,000 | 16,735,000 | 16,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,463,000 | 257,627,000 | 349,910,000 | 330,706,000 |
| Interest-bearing deposits | 238,471,000 | 243,698,000 | 327,435,000 | 308,294,000 |
| Noninterest-bearing deposits | 13,992,000 | 13,929,000 | 22,475,000 | 22,412,000 |
| Equity capital | 26,646,000 | 25,481,000 | 34,069,000 | 35,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,615,000 | 9,416,000 | 19,647,000 | 26,484,000 |
| Interest expense | 2,390,000 | 4,864,000 | 10,698,000 | 14,263,000 |
| Net interest income | 2,225,000 | 4,552,000 | 8,949,000 | 12,221,000 |
| Noninterest income | 591,000 | 1,291,000 | 2,513,000 | 3,446,000 |
| Noninterest expense | 1,635,000 | 3,348,000 | 7,672,000 | 10,286,000 |
| Provision for loan losses | 115,000 | 244,000 | 657,000 | 994,000 |
| Pretax income | 1,066,000 | 2,252,000 | 3,134,000 | 4,392,000 |
| Income tax | 237,000 | 501,000 | 603,000 | 871,000 |
| Net income | 829,000 | 1,751,000 | 2,531,000 | 3,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,508,000 | 27,961,000 | 35,506,000 | 35,525,000 |
| Total capital | 29,107,000 | 29,681,000 | 37,733,000 | 37,979,000 |
| Risk-weighted assets | 187,512,000 | 193,104,000 | 262,473,000 | 268,584,000 |