Call reports 2015
UNIFIED BANK — 2015
What UNIFIED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 414,903,000 | 402,309,000 | 406,756,000 | 402,562,000 |
| Total loans | 312,494,000 | 311,922,000 | 326,325,000 | 329,663,000 |
| Allowance for loan losses | 2,506,000 | 2,697,000 | 2,727,000 | 2,437,000 |
| Securities available for sale | 37,317,000 | 39,565,000 | 30,646,000 | 34,622,000 |
| Securities held to maturity | 235,000 | 235,000 | 235,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,423,000 | 323,685,000 | 326,793,000 | 326,907,000 |
| Interest-bearing deposits | 261,239,000 | 257,498,000 | 257,589,000 | 256,973,000 |
| Noninterest-bearing deposits | 72,184,000 | 66,187,000 | 69,204,000 | 69,934,000 |
| Equity capital | 38,583,000 | 38,572,000 | 38,637,000 | 39,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,853,000 | 7,872,000 | 11,972,000 | 16,037,000 |
| Interest expense | 519,000 | 1,037,000 | 1,551,000 | 2,030,000 |
| Net interest income | 3,334,000 | 6,835,000 | 10,421,000 | 14,007,000 |
| Noninterest income | 923,000 | 1,846,000 | 2,737,000 | 3,670,000 |
| Noninterest expense | 2,741,000 | 5,469,000 | 8,209,000 | 10,888,000 |
| Provision for loan losses | 116,000 | 261,000 | 387,000 | 553,000 |
| Pretax income | 1,422,000 | 2,984,000 | 4,596,000 | 6,270,000 |
| Income tax | 420,000 | 892,000 | 1,386,000 | 1,903,000 |
| Net income | 1,002,000 | 2,092,000 | 3,210,000 | 4,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,504,000 | 38,358,000 | 38,598,000 | 39,421,000 |
| Total capital | 41,010,000 | 41,055,000 | 41,325,000 | 41,858,000 |
| Risk-weighted assets | 304,116,000 | 299,817,000 | 311,999,000 | 317,222,000 |