Call reports 2012
UNITY BANK NORTH — 2012
What UNITY BANK NORTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 75,863,000 | 74,136,000 | 77,250,000 | 73,108,000 |
| Total loans | 49,217,000 | 52,018,000 | 52,686,000 | 52,375,000 |
| Allowance for loan losses | 747,000 | 742,000 | 744,000 | 765,000 |
| Securities available for sale | 7,936,000 | 7,485,000 | 7,461,000 | 9,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,153,000 | 65,573,000 | 68,584,000 | 64,429,000 |
| Interest-bearing deposits | 58,380,000 | 56,827,000 | 58,125,000 | 55,398,000 |
| Noninterest-bearing deposits | 8,773,000 | 8,746,000 | 10,459,000 | 9,031,000 |
| Equity capital | 7,901,000 | 7,590,000 | 7,743,000 | 7,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 843,000 | 1,692,000 | 2,567,000 | 3,418,000 |
| Interest expense | 115,000 | 221,000 | 319,000 | 403,000 |
| Net interest income | 728,000 | 1,471,000 | 2,248,000 | 3,015,000 |
| Noninterest income | 331,000 | 677,000 | 999,000 | 1,376,000 |
| Noninterest expense | 795,000 | 1,614,000 | 2,423,000 | 3,214,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 120,000 |
| Pretax income | 234,000 | 484,000 | 744,000 | 1,057,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 231,000 | 481,000 | 741,000 | 1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,874,000 | 7,552,000 | 7,699,000 | 7,861,000 |
| Total capital | 8,490,000 | 8,190,000 | 8,359,000 | 8,522,000 |
| Risk-weighted assets | 48,390,000 | 50,195,000 | 51,926,000 | 51,979,000 |
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