Call reports 2013
UNITY BANK NORTH — 2013
What UNITY BANK NORTH reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 76,584,000 | 75,641,000 | 75,916,000 | 75,586,000 |
| Total loans | 49,128,000 | 51,146,000 | 51,272,000 | 52,250,000 |
| Allowance for loan losses | 796,000 | 778,000 | 809,000 | 830,000 |
| Securities available for sale | 9,830,000 | 7,281,000 | 7,279,000 | 7,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,684,000 | 67,002,000 | 67,228,000 | 66,806,000 |
| Interest-bearing deposits | 58,271,000 | 57,088,000 | 56,641,000 | 56,665,000 |
| Noninterest-bearing deposits | 9,413,000 | 9,914,000 | 10,587,000 | 10,141,000 |
| Equity capital | 8,148,000 | 7,618,000 | 7,769,000 | 8,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 806,000 | 1,622,000 | 2,437,000 | 3,239,000 |
| Interest expense | 72,000 | 136,000 | 195,000 | 249,000 |
| Net interest income | 734,000 | 1,486,000 | 2,242,000 | 2,990,000 |
| Noninterest income | 378,000 | 732,000 | 1,089,000 | 1,563,000 |
| Noninterest expense | 829,000 | 1,632,000 | 2,496,000 | 3,365,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 253,000 | 526,000 | 745,000 | 1,068,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 253,000 | 526,000 | 744,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,113,000 | 7,616,000 | 7,753,000 | 7,995,000 |
| Total capital | 8,750,000 | 8,260,000 | 8,401,000 | 8,645,000 |
| Risk-weighted assets | 50,006,000 | 50,665,000 | 50,898,000 | 51,792,000 |
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