Call reports 2016
UNIFIED BANK — 2016
What UNIFIED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 410,442,000 | 418,363,000 | 423,971,000 | 436,236,000 |
| Total loans | 335,464,000 | 348,822,000 | 350,642,000 | 356,721,000 |
| Allowance for loan losses | 2,375,000 | 2,465,000 | 2,454,000 | 2,341,000 |
| Securities available for sale | 29,670,000 | 31,812,000 | 31,803,000 | 39,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,302,000 | 331,047,000 | 332,692,000 | 343,278,000 |
| Interest-bearing deposits | 258,531,000 | 260,947,000 | 261,690,000 | 271,283,000 |
| Noninterest-bearing deposits | 69,771,000 | 70,100,000 | 71,002,000 | 71,995,000 |
| Equity capital | 39,454,000 | 39,480,000 | 39,438,000 | 39,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,038,000 | 8,226,000 | 12,391,000 | 16,628,000 |
| Interest expense | 454,000 | 873,000 | 1,283,000 | 1,702,000 |
| Net interest income | 3,584,000 | 7,353,000 | 11,108,000 | 14,926,000 |
| Noninterest income | 860,000 | 1,765,000 | 2,657,000 | 3,521,000 |
| Noninterest expense | 2,753,000 | 5,609,000 | 8,558,000 | 11,504,000 |
| Provision for loan losses | 71,000 | 176,000 | 307,000 | 301,000 |
| Pretax income | 1,620,000 | 3,333,000 | 5,062,000 | 6,804,000 |
| Income tax | 503,000 | 1,034,000 | 1,550,000 | 2,065,000 |
| Net income | 1,117,000 | 2,299,000 | 3,512,000 | 4,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,432,000 | 39,480,000 | 39,438,000 | 39,460,000 |
| Total capital | 41,807,000 | 41,945,000 | 41,892,000 | 41,801,000 |
| Risk-weighted assets | 323,767,000 | 342,193,000 | 345,019,000 | 354,781,000 |