Call reports 2020
UNIFIED BANK — 2020
What UNIFIED BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 715,205,000 | 702,456,000 | 694,894,000 | 694,909,000 |
| Total loans | 448,337,000 | 445,900,000 | 443,276,000 | 443,491,000 |
| Allowance for loan losses | 2,708,000 | 4,015,000 | 5,228,000 | 5,113,000 |
| Securities available for sale | 197,401,000 | 191,519,000 | 158,243,000 | 158,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 558,464,000 | 594,967,000 | 579,699,000 | 583,073,000 |
| Interest-bearing deposits | 454,453,000 | 467,385,000 | 458,428,000 | 460,336,000 |
| Noninterest-bearing deposits | 104,011,000 | 127,582,000 | 121,271,000 | 122,737,000 |
| Equity capital | 82,156,000 | 87,760,000 | 87,350,000 | 88,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,319,000 | 14,268,000 | 20,959,000 | 27,628,000 |
| Interest expense | 1,304,000 | 2,354,000 | 2,937,000 | 3,405,000 |
| Net interest income | 6,015,000 | 11,914,000 | 18,022,000 | 24,223,000 |
| Noninterest income | 975,000 | 1,952,000 | 2,949,000 | 4,327,000 |
| Noninterest expense | 3,893,000 | 7,859,000 | 11,724,000 | 15,492,000 |
| Provision for loan losses | 563,000 | 1,971,000 | 3,304,000 | 3,337,000 |
| Pretax income | 2,604,000 | 5,286,000 | 8,537,000 | 12,315,000 |
| Income tax | 285,000 | 527,000 | 917,000 | 1,414,000 |
| Net income | 2,319,000 | 4,759,000 | 7,620,000 | 10,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,363,000 | 74,869,000 | 75,217,000 | 75,381,000 |
| Total capital | 74,071,000 | 78,884,000 | 80,445,000 | 80,494,000 |
| Risk-weighted assets | 512,432,000 | 511,095,000 | 495,319,000 | 498,248,000 |