Call reports 2016
UNITY BANK NORTH — 2016
What UNITY BANK NORTH reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 77,395,000 | 86,307,000 | 85,919,000 | 87,329,000 |
| Total loans | 59,089,000 | 65,210,000 | 67,849,000 | 68,978,000 |
| Allowance for loan losses | 955,000 | 985,000 | 1,015,000 | 1,044,000 |
| Securities available for sale | 7,962,000 | 8,166,000 | 8,200,000 | 8,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,188,000 | 73,346,000 | 72,879,000 | 74,200,000 |
| Interest-bearing deposits | 57,564,000 | 62,069,000 | 60,606,000 | 63,182,000 |
| Noninterest-bearing deposits | 11,624,000 | 11,277,000 | 12,273,000 | 11,018,000 |
| Equity capital | 7,533,000 | 7,290,000 | 7,379,000 | 7,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 872,000 | 1,813,000 | 2,787,000 | 3,773,000 |
| Interest expense | 48,000 | 102,000 | 170,000 | 239,000 |
| Net interest income | 824,000 | 1,711,000 | 2,617,000 | 3,534,000 |
| Noninterest income | 544,000 | 1,082,000 | 1,582,000 | 2,096,000 |
| Noninterest expense | 1,119,000 | 2,283,000 | 3,448,000 | 4,575,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 234,000 | 465,000 | 676,000 | 950,000 |
| Income tax | 2,000 | 2,000 | 3,000 | 3,000 |
| Net income | 232,000 | 463,000 | 673,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,511,000 | 7,230,000 | 7,339,000 | 7,459,000 |
| Total capital | 8,192,000 | 7,985,000 | 8,120,000 | 8,245,000 |
| Risk-weighted assets | 54,211,000 | 60,168,000 | 62,275,000 | 62,633,000 |