Call reports 2018
UNIFIED BANK — 2018
What UNIFIED BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 486,576,000 | 512,966,000 | 523,604,000 | 592,197,000 |
| Total loans | 370,485,000 | 379,513,000 | 393,182,000 | 409,683,000 |
| Allowance for loan losses | 2,125,000 | 2,080,000 | 2,004,000 | 2,043,000 |
| Securities available for sale | 71,064,000 | 86,212,000 | 86,465,000 | 123,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,110,000 | 416,487,000 | 435,088,000 | 526,894,000 |
| Interest-bearing deposits | 338,691,000 | 347,583,000 | 342,092,000 | 414,862,000 |
| Noninterest-bearing deposits | 66,419,000 | 68,904,000 | 92,996,000 | 112,032,000 |
| Equity capital | 44,639,000 | 45,587,000 | 45,901,000 | 50,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,623,000 | 9,730,000 | 15,253,000 | 21,320,000 |
| Interest expense | 493,000 | 1,160,000 | 2,017,000 | 3,034,000 |
| Net interest income | 4,130,000 | 8,570,000 | 13,236,000 | 18,286,000 |
| Noninterest income | 870,000 | 1,781,000 | 2,687,000 | 3,604,000 |
| Noninterest expense | 3,121,000 | 6,314,000 | 9,565,000 | 12,985,000 |
| Provision for loan losses | 57,000 | 129,000 | 201,000 | 297,000 |
| Pretax income | 1,822,000 | 3,908,000 | 6,157,000 | 8,608,000 |
| Income tax | 352,000 | 748,000 | 1,156,000 | 1,550,000 |
| Net income | 1,470,000 | 3,160,000 | 5,001,000 | 7,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,038,000 | 45,907,000 | 46,863,000 | 48,647,000 |
| Total capital | 47,163,000 | 47,987,000 | 48,867,000 | 50,690,000 |
| Risk-weighted assets | 399,056,000 | 411,755,000 | 424,587,000 | 445,573,000 |