Call reports 2024
UNIFIED BANK — 2024
What UNIFIED BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 830,383,000 | 818,124,000 | 821,931,000 | 813,944,000 |
| Total loans | 480,351,000 | 484,554,000 | 475,055,000 | 491,022,000 |
| Allowance for loan losses | 3,870,000 | 3,989,000 | 4,002,000 | 4,026,000 |
| Securities available for sale | 251,807,000 | 240,124,000 | 250,161,000 | 240,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,663,000 | 635,675,000 | 629,253,000 | 627,945,000 |
| Interest-bearing deposits | 501,668,000 | 489,122,000 | 485,241,000 | 489,137,000 |
| Noninterest-bearing deposits | 135,995,000 | 146,553,000 | 144,012,000 | 138,808,000 |
| Equity capital | 70,978,000 | 67,591,000 | 71,695,000 | 69,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 9,623,000 | 19,498,000 | 29,451,000 | 39,560,000 |
| Interest expense | 3,118,000 | 6,324,000 | 9,579,000 | 12,785,000 |
| Net interest income | 6,505,000 | 13,174,000 | 19,872,000 | 26,775,000 |
| Noninterest income | 1,061,000 | 2,159,000 | 3,402,000 | 4,606,000 |
| Noninterest expense | 3,826,000 | 8,630,000 | 13,507,000 | 18,475,000 |
| Provision for loan losses | 0 | 234,000 | 304,000 | 429,000 |
| Pretax income | 3,546,000 | 6,353,000 | 9,347,000 | 12,361,000 |
| Income tax | 457,000 | 660,000 | 860,000 | 1,050,000 |
| Net income | 3,089,000 | 5,693,000 | 8,487,000 | 11,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,451,000 | 77,501,000 | 77,581,000 | 78,182,000 |
| Total capital | 81,321,000 | 81,490,000 | 81,583,000 | 82,208,000 |
| Risk-weighted assets | 578,110,000 | 584,671,000 | 580,478,000 | 596,547,000 |