Call reports 2011
UNIFIED BANK — 2011
What UNIFIED BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 431,989,000 | 418,009,000 | 413,155,000 | 414,460,000 |
| Total loans | 277,074,000 | 277,335,000 | 278,917,000 | 284,447,000 |
| Allowance for loan losses | 2,521,000 | 2,782,000 | 3,061,000 | 2,921,000 |
| Securities available for sale | 100,682,000 | 94,462,000 | 82,362,000 | 81,998,000 |
| Securities held to maturity | 4,545,000 | 4,550,000 | 4,555,000 | 4,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,657,000 | 326,329,000 | 324,844,000 | 330,192,000 |
| Interest-bearing deposits | 308,886,000 | 301,405,000 | 298,685,000 | 300,280,000 |
| Noninterest-bearing deposits | 23,771,000 | 24,924,000 | 26,159,000 | 29,912,000 |
| Equity capital | 37,841,000 | 38,220,000 | 38,389,000 | 38,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,037,000 | 10,237,000 | 15,284,000 | 20,164,000 |
| Interest expense | 1,194,000 | 2,349,000 | 3,426,000 | 4,452,000 |
| Net interest income | 3,843,000 | 7,888,000 | 11,858,000 | 15,712,000 |
| Noninterest income | 694,000 | 1,540,000 | 2,373,000 | 3,056,000 |
| Noninterest expense | 2,945,000 | 5,885,000 | 8,725,000 | 11,312,000 |
| Provision for loan losses | 648,000 | 1,142,000 | 1,544,000 | 1,968,000 |
| Pretax income | 1,315,000 | 2,782,000 | 4,369,000 | 5,904,000 |
| Income tax | 246,000 | 621,000 | 1,051,000 | 1,426,000 |
| Net income | 1,069,000 | 2,161,000 | 3,318,000 | 4,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,278,000 | 37,312,000 | 37,425,000 | 37,461,000 |
| Total capital | 39,804,000 | 40,099,000 | 40,491,000 | 40,387,000 |
| Risk-weighted assets | 299,578,000 | 298,170,000 | 297,245,000 | 301,496,000 |