Call reports 2014
UNITY BANK NORTH — 2014
What UNITY BANK NORTH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 76,212,000 | 75,999,000 | 76,327,000 | 76,880,000 |
| Total loans | 52,076,000 | 54,013,000 | 54,661,000 | 55,375,000 |
| Allowance for loan losses | 832,000 | 848,000 | 868,000 | 885,000 |
| Securities available for sale | 7,138,000 | 7,428,000 | 7,434,000 | 7,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,288,000 | 67,352,000 | 67,794,000 | 68,026,000 |
| Interest-bearing deposits | 57,768,000 | 57,678,000 | 57,418,000 | 56,922,000 |
| Noninterest-bearing deposits | 9,520,000 | 9,674,000 | 10,376,000 | 11,104,000 |
| Equity capital | 8,197,000 | 7,669,000 | 7,798,000 | 8,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 790,000 | 1,599,000 | 2,435,000 | 3,272,000 |
| Interest expense | 49,000 | 99,000 | 147,000 | 195,000 |
| Net interest income | 741,000 | 1,500,000 | 2,288,000 | 3,077,000 |
| Noninterest income | 417,000 | 875,000 | 1,302,000 | 1,779,000 |
| Noninterest expense | 911,000 | 1,838,000 | 2,757,000 | 3,665,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 50,000 |
| Pretax income | 237,000 | 512,000 | 793,000 | 1,141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 512,000 | 793,000 | 1,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,189,000 | 7,660,000 | 7,795,000 | 8,143,000 |
| Total capital | 8,842,000 | 8,326,000 | 8,463,000 | 8,808,000 |
| Risk-weighted assets | 52,003,000 | 53,066,000 | 53,221,000 | 52,926,000 |
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