Call reports 2018
UNITY BANK NORTH — 2018
What UNITY BANK NORTH reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 95,445,000 | 98,070,000 | 102,096,000 | 105,725,000 |
| Total loans | 77,680,000 | 83,649,000 | 82,714,000 | 83,885,000 |
| Allowance for loan losses | 998,000 | 1,019,000 | 1,069,000 | 1,110,000 |
| Securities available for sale | 7,568,000 | 6,970,000 | 6,674,000 | 6,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,055,000 | 84,431,000 | 88,363,000 | 91,755,000 |
| Interest-bearing deposits | 70,843,000 | 72,678,000 | 76,536,000 | 78,446,000 |
| Noninterest-bearing deposits | 11,212,000 | 11,753,000 | 11,827,000 | 13,309,000 |
| Equity capital | 7,947,000 | 8,213,000 | 8,351,000 | 8,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,090,000 | 2,198,000 | 3,420,000 | 4,659,000 |
| Interest expense | 133,000 | 279,000 | 473,000 | 694,000 |
| Net interest income | 957,000 | 1,919,000 | 2,947,000 | 3,965,000 |
| Noninterest income | 489,000 | 928,000 | 1,401,000 | 1,932,000 |
| Noninterest expense | 1,193,000 | 2,251,000 | 3,409,000 | 4,586,000 |
| Provision for loan losses | 0 | 30,000 | 75,000 | 120,000 |
| Pretax income | 253,000 | 566,000 | 864,000 | 1,191,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 3,000 |
| Net income | 252,000 | 564,000 | 862,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,038,000 | 8,299,000 | 8,432,000 | 8,593,000 |
| Total capital | 8,925,000 | 9,264,000 | 9,389,000 | 9,570,000 |
| Risk-weighted assets | 70,784,000 | 77,171,000 | 76,394,000 | 77,974,000 |