Call reports 2019
UNIFIED BANK — 2019
What UNIFIED BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 619,329,000 | 647,303,000 | 674,725,000 | 684,875,000 |
| Total loans | 413,896,000 | 425,433,000 | 421,265,000 | 441,548,000 |
| Allowance for loan losses | 2,084,000 | 2,142,000 | 2,121,000 | 2,231,000 |
| Securities available for sale | 139,317,000 | 161,605,000 | 200,875,000 | 188,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 540,387,000 | 551,251,000 | 556,514,000 | 554,743,000 |
| Interest-bearing deposits | 437,940,000 | 437,896,000 | 443,659,000 | 453,408,000 |
| Noninterest-bearing deposits | 102,447,000 | 113,355,000 | 112,855,000 | 101,335,000 |
| Equity capital | 54,327,000 | 73,448,000 | 75,404,000 | 74,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,316,000 | 12,963,000 | 19,883,000 | 27,033,000 |
| Interest expense | 1,164,000 | 2,437,000 | 3,811,000 | 5,149,000 |
| Net interest income | 5,152,000 | 10,526,000 | 16,072,000 | 21,884,000 |
| Noninterest income | 945,000 | 1,887,000 | 2,890,000 | 3,884,000 |
| Noninterest expense | 3,605,000 | 7,149,000 | 10,735,000 | 13,996,000 |
| Provision for loan losses | 90,000 | 210,000 | 330,000 | 908,000 |
| Pretax income | 2,402,000 | 5,054,000 | 7,897,000 | 10,864,000 |
| Income tax | 344,000 | 701,000 | 1,029,000 | 1,309,000 |
| Net income | 2,058,000 | 4,353,000 | 6,868,000 | 9,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,682,000 | 66,496,000 | 66,537,000 | 66,722,000 |
| Total capital | 51,766,000 | 68,638,000 | 68,658,000 | 68,953,000 |
| Risk-weighted assets | 445,898,000 | 468,398,000 | 490,019,000 | 499,647,000 |