Call reports 2013
UNIFIED BANK — 2013
What UNIFIED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 426,593,000 | 413,080,000 | 398,727,000 | 387,120,000 |
| Total loans | 295,559,000 | 296,072,000 | 298,109,000 | 309,503,000 |
| Allowance for loan losses | 2,974,000 | 3,268,000 | 2,965,000 | 2,895,000 |
| Securities available for sale | 29,645,000 | 28,004,000 | 27,844,000 | 26,564,000 |
| Securities held to maturity | 2,283,000 | 2,289,000 | 2,294,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,183,000 | 326,556,000 | 318,848,000 | 312,588,000 |
| Interest-bearing deposits | 265,048,000 | 258,982,000 | 255,564,000 | 250,305,000 |
| Noninterest-bearing deposits | 72,135,000 | 67,574,000 | 63,284,000 | 62,283,000 |
| Equity capital | 38,846,000 | 38,835,000 | 38,841,000 | 38,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,298,000 | 8,512,000 | 12,743,000 | 16,988,000 |
| Interest expense | 766,000 | 1,500,000 | 2,184,000 | 2,779,000 |
| Net interest income | 3,532,000 | 7,012,000 | 10,559,000 | 14,209,000 |
| Noninterest income | 741,000 | 1,522,000 | 2,887,000 | 3,960,000 |
| Noninterest expense | 2,976,000 | 5,869,000 | 8,852,000 | 12,013,000 |
| Provision for loan losses | 319,000 | 659,000 | 1,013,000 | 1,241,000 |
| Pretax income | 990,000 | 2,026,000 | 3,601,000 | 4,935,000 |
| Income tax | 191,000 | 424,000 | 512,000 | 912,000 |
| Net income | 799,000 | 1,602,000 | 3,089,000 | 4,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,289,000 | 38,729,000 | 38,871,000 | 38,314,000 |
| Total capital | 41,272,000 | 42,004,000 | 41,846,000 | 41,219,000 |
| Risk-weighted assets | 294,155,000 | 292,188,000 | 295,077,000 | 302,101,000 |