Call reports 2010
UNITY BANK NORTH — 2010
What UNITY BANK NORTH reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 65,428,000 | 66,714,000 | 70,484,000 | 71,302,000 |
| Total loans | 44,339,000 | 48,066,000 | 48,965,000 | 50,513,000 |
| Allowance for loan losses | 620,000 | 638,000 | 659,000 | 668,000 |
| Securities available for sale | 10,437,000 | 8,962,000 | 9,108,000 | 9,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,210,000 | 56,346,000 | 60,096,000 | 61,408,000 |
| Interest-bearing deposits | 49,283,000 | 50,657,000 | 54,009,000 | 54,571,000 |
| Noninterest-bearing deposits | 5,927,000 | 5,689,000 | 6,087,000 | 6,837,000 |
| Equity capital | 7,482,000 | 7,496,000 | 7,560,000 | 7,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 830,000 | 1,687,000 | 2,586,000 | 3,476,000 |
| Interest expense | 176,000 | 346,000 | 520,000 | 689,000 |
| Net interest income | 654,000 | 1,341,000 | 2,066,000 | 2,787,000 |
| Noninterest income | 102,000 | 194,000 | 276,000 | 399,000 |
| Noninterest expense | 564,000 | 1,140,000 | 1,763,000 | 2,364,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 135,000 |
| Pretax income | 162,000 | 335,000 | 474,000 | 687,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 162,000 | 334,000 | 473,000 | 690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,405,000 | 7,413,000 | 7,480,000 | 7,579,000 |
| Total capital | 7,951,000 | 7,996,000 | 8,083,000 | 8,202,000 |
| Risk-weighted assets | 42,817,000 | 45,836,000 | 47,437,000 | 49,052,000 |
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