Call reports 2010
UNIFIED BANK — 2010
What UNIFIED BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 451,120,000 | 453,419,000 | 443,895,000 | 423,348,000 |
| Total loans | 260,505,000 | 268,917,000 | 277,511,000 | 278,775,000 |
| Allowance for loan losses | 2,527,000 | 2,729,000 | 2,755,000 | 2,739,000 |
| Securities available for sale | 89,201,000 | 98,432,000 | 83,052,000 | 96,155,000 |
| Securities held to maturity | 13,594,000 | 10,875,000 | 8,382,000 | 6,331,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,465,000 | 344,970,000 | 341,525,000 | 327,222,000 |
| Interest-bearing deposits | 321,985,000 | 319,891,000 | 316,233,000 | 303,823,000 |
| Noninterest-bearing deposits | 24,480,000 | 25,079,000 | 25,292,000 | 23,399,000 |
| Equity capital | 38,656,000 | 39,061,000 | 39,048,000 | 37,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,507,000 | 11,009,000 | 16,408,000 | 21,636,000 |
| Interest expense | 1,741,000 | 3,394,000 | 4,912,000 | 6,224,000 |
| Net interest income | 3,766,000 | 7,615,000 | 11,496,000 | 15,412,000 |
| Noninterest income | 776,000 | 1,634,000 | 2,414,000 | 3,159,000 |
| Noninterest expense | 2,994,000 | 6,055,000 | 9,276,000 | 12,159,000 |
| Provision for loan losses | 360,000 | 730,000 | 1,051,000 | 1,816,000 |
| Pretax income | 1,210,000 | 2,497,000 | 3,666,000 | 4,664,000 |
| Income tax | 223,000 | 478,000 | 627,000 | 783,000 |
| Net income | 987,000 | 2,019,000 | 3,039,000 | 3,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,030,000 | 37,411,000 | 37,346,000 | 37,309,000 |
| Total capital | 39,559,000 | 40,143,000 | 40,103,000 | 40,053,000 |
| Risk-weighted assets | 285,483,000 | 292,610,000 | 298,605,000 | 300,509,000 |