Call reports 2012
UNIFIED BANK — 2012
What UNIFIED BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 429,571,000 | 422,842,000 | 459,590,000 | 436,774,000 |
| Total loans | 278,946,000 | 279,490,000 | 286,322,000 | 296,482,000 |
| Allowance for loan losses | 2,908,000 | 2,649,000 | 2,773,000 | 2,708,000 |
| Securities available for sale | 80,207,000 | 66,300,000 | 38,600,000 | 34,853,000 |
| Securities held to maturity | 4,191,000 | 3,696,000 | 3,511,000 | 2,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,430,000 | 337,392,000 | 371,606,000 | 351,685,000 |
| Interest-bearing deposits | 313,416,000 | 266,029,000 | 283,782,000 | 283,807,000 |
| Noninterest-bearing deposits | 29,014,000 | 71,363,000 | 87,824,000 | 67,878,000 |
| Equity capital | 38,625,000 | 38,743,000 | 38,618,000 | 38,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,681,000 | 9,306,000 | 13,824,000 | 18,418,000 |
| Interest expense | 969,000 | 1,897,000 | 2,783,000 | 3,605,000 |
| Net interest income | 3,712,000 | 7,409,000 | 11,041,000 | 14,813,000 |
| Noninterest income | 773,000 | 1,392,000 | 2,083,000 | 2,865,000 |
| Noninterest expense | 2,876,000 | 5,548,000 | 8,567,000 | 11,624,000 |
| Provision for loan losses | 333,000 | 501,000 | 769,000 | 1,128,000 |
| Pretax income | 1,287,000 | 2,767,000 | 3,814,000 | 4,952,000 |
| Income tax | 216,000 | 595,000 | 865,000 | 1,160,000 |
| Net income | 1,071,000 | 2,172,000 | 2,949,000 | 3,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,891,000 | 37,929,000 | 37,875,000 | 37,867,000 |
| Total capital | 40,805,000 | 40,585,000 | 40,655,000 | 40,584,000 |
| Risk-weighted assets | 295,287,000 | 290,309,000 | 290,916,000 | 296,006,000 |