Call reports 2001
UNITY BANK NORTH — 2001
What UNITY BANK NORTH reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 37,587,000 | 38,535,000 | 38,671,000 | 40,046,000 |
| Total loans | 22,970,000 | 24,932,000 | 25,846,000 | 26,286,000 |
| Allowance for loan losses | 281,000 | 291,000 | 306,000 | 312,000 |
| Securities available for sale | 10,917,000 | 9,631,000 | 7,545,000 | 8,847,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,777,000 | 33,653,000 | 33,688,000 | 35,131,000 |
| Interest-bearing deposits | 28,843,000 | 30,202,000 | 30,532,000 | 31,943,000 |
| Noninterest-bearing deposits | 3,934,000 | 3,451,000 | 3,156,000 | 3,188,000 |
| Equity capital | 4,410,000 | 4,448,000 | 4,625,000 | 4,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,526,000 | 2,228,000 | 2,927,000 |
| Interest expense | 332,000 | 651,000 | 937,000 | 1,184,000 |
| Net interest income | 427,000 | 875,000 | 1,291,000 | 1,743,000 |
| Noninterest income | 59,000 | 120,000 | 213,000 | 279,000 |
| Noninterest expense | 261,000 | 539,000 | 831,000 | 1,145,000 |
| Provision for loan losses | 25,000 | 35,000 | 50,000 | 70,000 |
| Pretax income | 200,000 | 421,000 | 623,000 | 807,000 |
| Income tax | 19,000 | 41,000 | 20,000 | 20,000 |
| Net income | 181,000 | 380,000 | 603,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,285,000 | 4,311,000 | 4,439,000 | 4,500,000 |
| Total capital | 4,564,000 | 4,602,000 | 4,745,000 | 4,812,000 |
| Risk-weighted assets | 22,345,000 | 24,369,000 | 24,981,000 | 25,201,000 |
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