Call reports 2014
UNIFIED BANK — 2014
What UNIFIED BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 404,133,000 | 397,063,000 | 401,098,000 | 399,702,000 |
| Total loans | 313,121,000 | 315,397,000 | 312,744,000 | 315,754,000 |
| Allowance for loan losses | 3,038,000 | 3,132,000 | 3,024,000 | 2,400,000 |
| Securities available for sale | 24,323,000 | 24,614,000 | 25,018,000 | 19,348,000 |
| Securities held to maturity | 835,000 | 835,000 | 835,000 | 450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,326,000 | 321,720,000 | 323,174,000 | 325,120,000 |
| Interest-bearing deposits | 259,697,000 | 255,245,000 | 256,459,000 | 256,709,000 |
| Noninterest-bearing deposits | 66,629,000 | 66,475,000 | 66,715,000 | 68,411,000 |
| Equity capital | 38,127,000 | 38,480,000 | 38,457,000 | 38,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,091,000 | 8,217,000 | 12,352,000 | 16,363,000 |
| Interest expense | 563,000 | 1,121,000 | 1,674,000 | 2,214,000 |
| Net interest income | 3,528,000 | 7,096,000 | 10,678,000 | 14,149,000 |
| Noninterest income | 671,000 | 1,630,000 | 2,561,000 | 3,574,000 |
| Noninterest expense | 2,901,000 | 5,788,000 | 8,628,000 | 11,355,000 |
| Provision for loan losses | 216,000 | 432,000 | 657,000 | 888,000 |
| Pretax income | 1,084,000 | 2,508,000 | 3,983,000 | 5,509,000 |
| Income tax | 285,000 | 686,000 | 1,137,000 | 1,571,000 |
| Net income | 799,000 | 1,822,000 | 2,846,000 | 3,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,239,000 | 38,430,000 | 38,411,000 | 38,531,000 |
| Total capital | 41,286,000 | 41,571,000 | 41,444,000 | 40,940,000 |
| Risk-weighted assets | 303,539,000 | 305,102,000 | 301,451,000 | 302,610,000 |