Call reports 2009
UNITY BANK NORTH — 2009
What UNITY BANK NORTH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 60,406,000 | 61,544,000 | 63,605,000 | 67,828,000 |
| Total loans | 38,149,000 | 39,978,000 | 44,435,000 | 44,895,000 |
| Allowance for loan losses | 629,000 | 623,000 | 623,000 | 621,000 |
| Securities available for sale | 13,020,000 | 12,945,000 | 11,883,000 | 10,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,042,000 | 53,146,000 | 52,278,000 | 57,450,000 |
| Interest-bearing deposits | 46,430,000 | 46,622,000 | 46,567,000 | 50,692,000 |
| Noninterest-bearing deposits | 5,612,000 | 6,524,000 | 5,711,000 | 6,758,000 |
| Equity capital | 7,653,000 | 7,571,000 | 7,657,000 | 7,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,668,000 | 2,540,000 | 3,382,000 |
| Interest expense | 239,000 | 461,000 | 675,000 | 874,000 |
| Net interest income | 608,000 | 1,207,000 | 1,865,000 | 2,508,000 |
| Noninterest income | 83,000 | 169,000 | 263,000 | 372,000 |
| Noninterest expense | 513,000 | 1,103,000 | 1,678,000 | 2,285,000 |
| Provision for loan losses | 20,000 | 40,000 | 50,000 | 80,000 |
| Pretax income | 158,000 | 233,000 | 400,000 | 515,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 158,000 | 231,000 | 398,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,452,000 | 7,382,000 | 7,472,000 | 7,355,000 |
| Total capital | 7,926,000 | 7,878,000 | 8,011,000 | 7,910,000 |
| Risk-weighted assets | 36,976,000 | 38,756,000 | 42,273,000 | 43,569,000 |
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