Call reports 2023
UNIFIED BANK — 2023
What UNIFIED BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 844,507,000 | 827,588,000 | 812,167,000 | 813,438,000 |
| Total loans | 463,739,000 | 462,918,000 | 466,886,000 | 483,277,000 |
| Allowance for loan losses | 4,452,000 | 4,281,000 | 4,112,000 | 3,918,000 |
| Securities available for sale | 234,059,000 | 236,053,000 | 224,680,000 | 242,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 662,332,000 | 653,674,000 | 639,951,000 | 633,409,000 |
| Interest-bearing deposits | 514,847,000 | 508,504,000 | 491,101,000 | 493,889,000 |
| Noninterest-bearing deposits | 147,485,000 | 145,170,000 | 148,850,000 | 139,520,000 |
| Equity capital | 71,613,000 | 69,627,000 | 62,311,000 | 71,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,209,000 | 17,492,000 | 27,140,000 | 36,840,000 |
| Interest expense | 1,409,000 | 3,969,000 | 6,662,000 | 9,482,000 |
| Net interest income | 6,800,000 | 13,523,000 | 20,478,000 | 27,358,000 |
| Noninterest income | 1,016,000 | 2,018,000 | 2,973,000 | 4,012,000 |
| Noninterest expense | 4,418,000 | 8,913,000 | 13,473,000 | 17,953,000 |
| Provision for loan losses | 0 | -146,000 | -300,000 | -454,000 |
| Pretax income | 3,398,000 | 6,774,000 | 10,278,000 | 13,871,000 |
| Income tax | 407,000 | 765,000 | 1,135,000 | 1,524,000 |
| Net income | 2,991,000 | 6,009,000 | 9,143,000 | 12,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,628,000 | 77,673,000 | 77,692,000 | 77,893,000 |
| Total capital | 82,080,000 | 81,954,000 | 81,804,000 | 81,811,000 |
| Risk-weighted assets | 598,364,000 | 569,030,000 | 548,082,000 | 587,191,000 |