Call reports 2009
UNIFIED BANK — 2009
What UNIFIED BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 445,835,000 | 453,385,000 | 447,093,000 | 445,088,000 |
| Total loans | 237,074,000 | 241,374,000 | 247,040,000 | 257,726,000 |
| Allowance for loan losses | 3,001,000 | 3,291,000 | 2,926,000 | 2,390,000 |
| Securities available for sale | 133,099,000 | 109,918,000 | 103,881,000 | 96,584,000 |
| Securities held to maturity | 15,696,000 | 15,274,000 | 15,073,000 | 14,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,989,000 | 348,554,000 | 342,025,000 | 345,970,000 |
| Interest-bearing deposits | 324,312,000 | 324,689,000 | 320,036,000 | 322,775,000 |
| Noninterest-bearing deposits | 23,677,000 | 23,865,000 | 21,989,000 | 23,195,000 |
| Equity capital | 37,741,000 | 37,571,000 | 39,449,000 | 37,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,912,000 | 11,770,000 | 17,584,000 | 23,324,000 |
| Interest expense | 2,011,000 | 3,976,000 | 5,922,000 | 7,811,000 |
| Net interest income | 3,901,000 | 7,794,000 | 11,662,000 | 15,513,000 |
| Noninterest income | 784,000 | 1,560,000 | 2,405,000 | 3,142,000 |
| Noninterest expense | 2,879,000 | 6,072,000 | 9,120,000 | 12,200,000 |
| Provision for loan losses | 325,000 | 658,000 | 996,000 | 1,325,000 |
| Pretax income | 1,486,000 | 2,666,000 | 4,001,000 | 5,310,000 |
| Income tax | 360,000 | 582,000 | 891,000 | 1,166,000 |
| Net income | 1,126,000 | 2,084,000 | 3,110,000 | 4,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,551,000 | 37,343,000 | 37,941,000 | 36,465,000 |
| Total capital | 39,552,000 | 40,634,000 | 40,868,000 | 38,856,000 |
| Risk-weighted assets | 272,382,000 | 272,124,000 | 275,459,000 | 286,931,000 |