Call reports 2011
UNITY BANK NORTH — 2011
What UNITY BANK NORTH reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 74,615,000 | 74,632,000 | 72,167,000 | 74,955,000 |
| Total loans | 48,193,000 | 50,273,000 | 52,548,000 | 52,173,000 |
| Allowance for loan losses | 679,000 | 684,000 | 723,000 | 721,000 |
| Securities available for sale | 9,946,000 | 11,604,000 | 8,249,000 | 8,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,722,000 | 66,190,000 | 63,635,000 | 66,390,000 |
| Interest-bearing deposits | 56,844,000 | 58,326,000 | 56,115,000 | 57,677,000 |
| Noninterest-bearing deposits | 7,878,000 | 7,864,000 | 7,520,000 | 8,713,000 |
| Equity capital | 7,264,000 | 7,436,000 | 7,563,000 | 7,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 836,000 | 1,689,000 | 2,572,000 | 3,452,000 |
| Interest expense | 149,000 | 293,000 | 427,000 | 553,000 |
| Net interest income | 687,000 | 1,396,000 | 2,145,000 | 2,899,000 |
| Noninterest income | 273,000 | 589,000 | 908,000 | 1,246,000 |
| Noninterest expense | 703,000 | 1,505,000 | 2,304,000 | 3,076,000 |
| Provision for loan losses | 10,000 | 20,000 | 60,000 | 100,000 |
| Pretax income | 247,000 | 460,000 | 689,000 | 969,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 232,000 | 445,000 | 675,000 | 958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,257,000 | 7,373,000 | 7,507,000 | 7,693,000 |
| Total capital | 7,871,000 | 8,007,000 | 8,161,000 | 8,344,000 |
| Risk-weighted assets | 48,272,000 | 49,943,000 | 51,452,000 | 51,234,000 |
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