Call reports 2017
UNIFIED BANK — 2017
What UNIFIED BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 438,575,000 | 446,819,000 | 453,039,000 | 457,665,000 |
| Total loans | 354,755,000 | 357,570,000 | 360,389,000 | 368,589,000 |
| Allowance for loan losses | 2,333,000 | 2,292,000 | 2,195,000 | 2,122,000 |
| Securities available for sale | 39,001,000 | 38,892,000 | 39,129,000 | 44,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,231,000 | 378,173,000 | 384,767,000 | 388,566,000 |
| Interest-bearing deposits | 292,801,000 | 307,095,000 | 313,176,000 | 319,630,000 |
| Noninterest-bearing deposits | 71,430,000 | 71,078,000 | 71,591,000 | 68,936,000 |
| Equity capital | 39,868,000 | 40,558,000 | 41,488,000 | 42,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,183,000 | 8,473,000 | 13,059,000 | 17,650,000 |
| Interest expense | 414,000 | 825,000 | 1,247,000 | 1,660,000 |
| Net interest income | 3,769,000 | 7,648,000 | 11,812,000 | 15,990,000 |
| Noninterest income | 834,000 | 1,708,000 | 2,584,000 | 3,442,000 |
| Noninterest expense | 2,949,000 | 5,911,000 | 8,857,000 | 11,783,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 1,630,000 | 3,396,000 | 5,465,000 | 7,550,000 |
| Income tax | 491,000 | 1,050,000 | 1,761,000 | 2,460,000 |
| Net income | 1,139,000 | 2,346,000 | 3,704,000 | 5,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,032,000 | 40,629,000 | 41,567,000 | 42,515,000 |
| Total capital | 42,365,000 | 42,921,000 | 43,762,000 | 44,637,000 |
| Risk-weighted assets | 355,089,000 | 358,294,000 | 365,640,000 | 375,322,000 |