Call reports 2006
UNITY BANK NORTH — 2006
What UNITY BANK NORTH reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 48,848,000 | 49,818,000 | 51,343,000 | 51,435,000 |
| Total loans | 35,870,000 | 38,346,000 | 39,734,000 | 40,617,000 |
| Allowance for loan losses | 536,000 | 550,000 | 565,000 | 580,000 |
| Securities available for sale | 7,481,000 | 7,265,000 | 7,254,000 | 7,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,467,000 | 40,837,000 | 44,040,000 | 44,042,000 |
| Interest-bearing deposits | 37,617,000 | 36,765,000 | 38,389,000 | 38,934,000 |
| Noninterest-bearing deposits | 3,850,000 | 4,072,000 | 5,651,000 | 5,108,000 |
| Equity capital | 6,125,000 | 5,892,000 | 6,098,000 | 6,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,513,000 | 2,342,000 | 3,216,000 |
| Interest expense | 222,000 | 482,000 | 784,000 | 1,098,000 |
| Net interest income | 513,000 | 1,031,000 | 1,558,000 | 2,118,000 |
| Noninterest income | 82,000 | 160,000 | 259,000 | 352,000 |
| Noninterest expense | 385,000 | 755,000 | 1,126,000 | 1,545,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 200,000 | 411,000 | 651,000 | 870,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 411,000 | 651,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,256,000 | 6,030,000 | 6,176,000 | 6,302,000 |
| Total capital | 6,688,000 | 6,490,000 | 6,655,000 | 6,786,000 |
| Risk-weighted assets | 33,685,000 | 35,935,000 | 37,460,000 | 37,855,000 |
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