Call reports 2017
UNITY BANK NORTH — 2017
What UNITY BANK NORTH reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 86,862,000 | 92,783,000 | 96,007,000 | 95,752,000 |
| Total loans | 68,453,000 | 73,834,000 | 78,477,000 | 78,007,000 |
| Allowance for loan losses | 1,075,000 | 1,105,000 | 1,135,000 | 1,001,000 |
| Securities available for sale | 8,242,000 | 8,241,000 | 7,938,000 | 7,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,671,000 | 79,344,000 | 83,016,000 | 82,532,000 |
| Interest-bearing deposits | 62,485,000 | 68,136,000 | 71,144,000 | 70,139,000 |
| Noninterest-bearing deposits | 11,186,000 | 11,208,000 | 11,872,000 | 12,393,000 |
| Equity capital | 7,628,000 | 7,841,000 | 7,394,000 | 7,713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 966,000 | 1,982,000 | 3,067,000 | 4,166,000 |
| Interest expense | 70,000 | 144,000 | 253,000 | 377,000 |
| Net interest income | 896,000 | 1,838,000 | 2,814,000 | 3,789,000 |
| Noninterest income | 520,000 | 982,000 | 1,464,000 | 1,925,000 |
| Noninterest expense | 1,191,000 | 2,341,000 | 3,498,000 | 4,540,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 195,000 | 419,000 | 690,000 | 1,054,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 194,000 | 418,000 | 688,000 | 1,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,652,000 | 7,866,000 | 7,420,000 | 7,785,000 |
| Total capital | 8,455,000 | 8,716,000 | 8,330,000 | 8,684,000 |
| Risk-weighted assets | 63,999,000 | 67,726,000 | 72,544,000 | 71,821,000 |