Call reports 2015
UNITY BANK NORTH — 2015
What UNITY BANK NORTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 76,785,000 | 76,714,000 | 75,674,000 | 76,856,000 |
| Total loans | 52,255,000 | 55,594,000 | 56,921,000 | 59,247,000 |
| Allowance for loan losses | 890,000 | 919,000 | 935,000 | 940,000 |
| Securities available for sale | 7,567,000 | 7,711,000 | 7,978,000 | 7,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,535,000 | 68,501,000 | 67,871,000 | 68,906,000 |
| Interest-bearing deposits | 58,768,000 | 58,989,000 | 57,669,000 | 57,924,000 |
| Noninterest-bearing deposits | 9,767,000 | 9,512,000 | 10,202,000 | 10,982,000 |
| Equity capital | 7,571,000 | 7,562,000 | 7,106,000 | 7,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 807,000 | 1,626,000 | 2,482,000 | 3,337,000 |
| Interest expense | 47,000 | 96,000 | 145,000 | 195,000 |
| Net interest income | 760,000 | 1,530,000 | 2,337,000 | 3,142,000 |
| Noninterest income | 458,000 | 890,000 | 1,328,000 | 1,880,000 |
| Noninterest expense | 989,000 | 1,958,000 | 2,944,000 | 4,020,000 |
| Provision for loan losses | 15,000 | 45,000 | 60,000 | 65,000 |
| Pretax income | 214,000 | 417,000 | 661,000 | 937,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 214,000 | 417,000 | 660,000 | 936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,547,000 | 7,546,000 | 7,079,000 | 7,278,000 |
| Total capital | 8,167,000 | 8,182,000 | 7,732,000 | 7,951,000 |
| Risk-weighted assets | 49,365,000 | 50,650,000 | 51,926,000 | 53,639,000 |