Call reports 2021
UNIFIED BANK — 2021
What UNIFIED BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 735,911,000 | 733,168,000 | 733,485,000 | 727,114,000 |
| Total loans | 450,035,000 | 458,667,000 | 462,119,000 | 454,401,000 |
| Allowance for loan losses | 4,807,000 | 4,542,000 | 4,123,000 | 3,673,000 |
| Securities available for sale | 146,312,000 | 144,392,000 | 135,540,000 | 146,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 612,688,000 | 609,794,000 | 617,213,000 | 614,082,000 |
| Interest-bearing deposits | 471,763,000 | 470,141,000 | 466,581,000 | 470,174,000 |
| Noninterest-bearing deposits | 140,925,000 | 139,653,000 | 150,632,000 | 143,908,000 |
| Equity capital | 85,946,000 | 87,452,000 | 85,974,000 | 85,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,089,000 | 12,316,000 | 18,555,000 | 24,737,000 |
| Interest expense | 412,000 | 756,000 | 1,055,000 | 1,274,000 |
| Net interest income | 5,677,000 | 11,560,000 | 17,500,000 | 23,463,000 |
| Noninterest income | 999,000 | 2,141,000 | 3,178,000 | 4,529,000 |
| Noninterest expense | 3,880,000 | 7,778,000 | 11,649,000 | 15,595,000 |
| Provision for loan losses | -205,000 | -455,000 | -855,000 | -1,255,000 |
| Pretax income | 3,001,000 | 6,383,000 | 11,134,000 | 14,902,000 |
| Income tax | 330,000 | 714,000 | 1,430,000 | 2,003,000 |
| Net income | 2,671,000 | 5,669,000 | 9,704,000 | 12,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,258,000 | 75,570,000 | 75,565,000 | 76,067,000 |
| Total capital | 80,065,000 | 80,112,000 | 79,688,000 | 79,740,000 |
| Risk-weighted assets | 511,363,000 | 512,141,000 | 524,600,000 | 533,534,000 |