Call reports 2022
UNIFIED BANK — 2022
What UNIFIED BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 734,734,000 | 718,172,000 | 759,502,000 | 755,071,000 |
| Total loans | 462,341,000 | 467,465,000 | 468,444,000 | 460,924,000 |
| Allowance for loan losses | 3,174,000 | 2,653,000 | 2,619,000 | 2,052,000 |
| Securities available for sale | 159,497,000 | 190,175,000 | 211,842,000 | 217,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 620,232,000 | 617,103,000 | 661,774,000 | 661,042,000 |
| Interest-bearing deposits | 471,861,000 | 468,651,000 | 506,085,000 | 507,591,000 |
| Noninterest-bearing deposits | 148,371,000 | 148,452,000 | 155,689,000 | 153,451,000 |
| Equity capital | 78,261,000 | 71,835,000 | 64,739,000 | 69,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,017,000 | 12,489,000 | 19,791,000 | 27,682,000 |
| Interest expense | 155,000 | 294,000 | 870,000 | 1,886,000 |
| Net interest income | 5,862,000 | 12,195,000 | 18,921,000 | 25,796,000 |
| Noninterest income | 989,000 | 1,952,000 | 2,994,000 | 4,061,000 |
| Noninterest expense | 3,948,000 | 8,150,000 | 12,404,000 | 16,778,000 |
| Provision for loan losses | -500,000 | -985,000 | -970,000 | -955,000 |
| Pretax income | 3,403,000 | 6,982,000 | 10,481,000 | 14,034,000 |
| Income tax | 516,000 | 1,051,000 | 1,506,000 | 1,974,000 |
| Net income | 2,887,000 | 5,931,000 | 8,975,000 | 12,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,160,000 | 76,798,000 | 76,409,000 | 77,499,000 |
| Total capital | 79,334,000 | 79,451,000 | 79,028,000 | 79,551,000 |
| Risk-weighted assets | 549,852,000 | 556,676,000 | 564,969,000 | 559,731,000 |