Call reports 2013
UNITY BANK — 2013
What UNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 179,780,000 | 176,817,000 | 184,124,000 | 186,787,000 |
| Total loans | 146,767,000 | 146,601,000 | 140,022,000 | 136,898,000 |
| Allowance for loan losses | 2,489,000 | 2,546,000 | 2,426,000 | 2,464,000 |
| Securities available for sale | 8,091,000 | 8,051,000 | 7,549,000 | 7,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,546,000 | 159,433,000 | 166,975,000 | 169,391,000 |
| Interest-bearing deposits | 137,481,000 | 136,505,000 | 141,539,000 | 144,234,000 |
| Noninterest-bearing deposits | 25,065,000 | 22,928,000 | 25,436,000 | 25,157,000 |
| Equity capital | 16,308,000 | 16,461,000 | 16,113,000 | 16,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,312,000 | 4,601,000 | 6,822,000 | 8,953,000 |
| Interest expense | 206,000 | 403,000 | 602,000 | 809,000 |
| Net interest income | 2,106,000 | 4,198,000 | 6,220,000 | 8,144,000 |
| Noninterest income | 327,000 | 601,000 | 874,000 | 1,160,000 |
| Noninterest expense | 1,788,000 | 3,520,000 | 5,421,000 | 7,085,000 |
| Provision for loan losses | 245,000 | 350,000 | 385,000 | 420,000 |
| Pretax income | 400,000 | 929,000 | 1,288,000 | 1,799,000 |
| Income tax | 0 | 3,000 | 4,000 | 4,000 |
| Net income | 400,000 | 926,000 | 1,284,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,033,000 | 16,227,000 | 15,880,000 | 16,237,000 |
| Total capital | 17,704,000 | 17,864,000 | 17,521,000 | 17,874,000 |
| Risk-weighted assets | 132,848,000 | 130,052,000 | 130,516,000 | 130,167,000 |
Machine access — free, no API key
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