Call reports 2014
UNITY BANK — 2014
What UNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 184,051,000 | 184,302,000 | 185,501,000 | 185,766,000 |
| Total loans | 136,914,000 | 145,467,000 | 145,786,000 | 151,369,000 |
| Allowance for loan losses | 2,458,000 | 2,382,000 | 2,313,000 | 2,281,000 |
| Securities available for sale | 7,224,000 | 7,449,000 | 7,428,000 | 7,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,337,000 | 166,865,000 | 167,909,000 | 167,867,000 |
| Interest-bearing deposits | 141,301,000 | 141,612,000 | 141,145,000 | 140,919,000 |
| Noninterest-bearing deposits | 25,036,000 | 25,253,000 | 26,764,000 | 26,949,000 |
| Equity capital | 16,694,000 | 16,231,000 | 16,564,000 | 16,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,034,000 | 4,261,000 | 6,539,000 | 8,741,000 |
| Interest expense | 200,000 | 401,000 | 597,000 | 784,000 |
| Net interest income | 1,834,000 | 3,860,000 | 5,942,000 | 7,957,000 |
| Noninterest income | 269,000 | 525,000 | 859,000 | 1,109,000 |
| Noninterest expense | 1,822,000 | 3,706,000 | 5,532,000 | 7,451,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 281,000 | 679,000 | 1,269,000 | 1,615,000 |
| Income tax | 1,000 | 1,000 | 3,000 | 3,000 |
| Net income | 280,000 | 678,000 | 1,266,000 | 1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,471,000 | 16,028,000 | 16,376,000 | 16,732,000 |
| Total capital | 18,110,000 | 17,694,000 | 18,042,000 | 18,450,000 |
| Risk-weighted assets | 130,317,000 | 132,558,000 | 132,603,000 | 136,902,000 |
Machine access — free, no API key
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