Call reports 2008
UNIFIED BANK — 2008
What UNIFIED BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 446,306,000 | 426,308,000 | 452,476,000 | 446,843,000 |
| Total loans | 233,865,000 | 234,432,000 | 239,750,000 | 238,999,000 |
| Allowance for loan losses | 2,540,000 | 2,871,000 | 2,965,000 | 2,770,000 |
| Securities available for sale | 158,956,000 | 137,072,000 | 128,779,000 | 129,415,000 |
| Securities held to maturity | 16,150,000 | 16,158,000 | 15,769,000 | 15,687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,792,000 | 322,770,000 | 350,859,000 | 351,071,000 |
| Interest-bearing deposits | 314,807,000 | 300,397,000 | 322,124,000 | 323,071,000 |
| Noninterest-bearing deposits | 20,985,000 | 22,373,000 | 28,735,000 | 28,000,000 |
| Equity capital | 36,374,000 | 34,725,000 | 34,894,000 | 37,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,649,000 | 13,138,000 | 19,437,000 | 25,679,000 |
| Interest expense | 3,081,000 | 5,534,000 | 7,818,000 | 9,999,000 |
| Net interest income | 3,568,000 | 7,604,000 | 11,619,000 | 15,680,000 |
| Noninterest income | 671,000 | 1,495,000 | 2,332,000 | 3,111,000 |
| Noninterest expense | 2,576,000 | 5,301,000 | 8,044,000 | 11,018,000 |
| Provision for loan losses | 168,000 | 563,000 | 887,000 | 1,188,000 |
| Pretax income | 1,508,000 | 3,260,000 | 5,030,000 | 6,589,000 |
| Income tax | 287,000 | 711,000 | 1,112,000 | 1,471,000 |
| Net income | 1,221,000 | 2,549,000 | 3,918,000 | 5,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,220,000 | 35,862,000 | 36,100,000 | 35,900,000 |
| Total capital | 38,767,000 | 38,740,000 | 39,065,000 | 38,670,000 |
| Risk-weighted assets | 267,144,000 | 264,742,000 | 273,055,000 | 271,659,000 |