Call reports 2012
UNITY BANK — 2012
What UNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 189,636,000 | 183,057,000 | 181,500,000 | 185,857,000 |
| Total loans | 147,107,000 | 148,642,000 | 147,574,000 | 145,623,000 |
| Allowance for loan losses | 2,358,000 | 2,489,000 | 2,439,000 | 2,272,000 |
| Securities available for sale | 12,289,000 | 10,492,000 | 10,257,000 | 8,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,442,000 | 166,862,000 | 164,835,000 | 169,023,000 |
| Interest-bearing deposits | 150,461,000 | 143,133,000 | 140,330,000 | 140,270,000 |
| Noninterest-bearing deposits | 22,981,000 | 23,729,000 | 24,505,000 | 28,753,000 |
| Equity capital | 15,230,000 | 15,173,000 | 15,668,000 | 15,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 4,954,000 | 7,429,000 | 9,863,000 |
| Interest expense | 302,000 | 570,000 | 812,000 | 1,038,000 |
| Net interest income | 2,171,000 | 4,384,000 | 6,617,000 | 8,825,000 |
| Noninterest income | 283,000 | 609,000 | 945,000 | 1,283,000 |
| Noninterest expense | 1,703,000 | 3,463,000 | 5,168,000 | 6,792,000 |
| Provision for loan losses | 150,000 | 300,000 | 405,000 | 460,000 |
| Pretax income | 601,000 | 1,230,000 | 1,989,000 | 2,856,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 600,000 | 1,228,000 | 1,985,000 | 2,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,928,000 | 14,875,000 | 15,375,000 | 15,622,000 |
| Total capital | 16,642,000 | 16,575,000 | 17,054,000 | 17,286,000 |
| Risk-weighted assets | 136,462,000 | 135,204,000 | 133,955,000 | 132,541,000 |
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