Call reports 2015
UNITY BANK — 2015
What UNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 179,804,000 | 180,975,000 | 187,582,000 | 203,725,000 |
| Total loans | 149,389,000 | 156,470,000 | 160,300,000 | 162,922,000 |
| Allowance for loan losses | 2,275,000 | 2,256,000 | 2,253,000 | 2,307,000 |
| Securities available for sale | 7,360,000 | 5,849,000 | 5,361,000 | 4,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,765,000 | 163,642,000 | 168,975,000 | 184,787,000 |
| Interest-bearing deposits | 136,346,000 | 137,678,000 | 140,520,000 | 156,199,000 |
| Noninterest-bearing deposits | 25,419,000 | 25,965,000 | 28,455,000 | 28,588,000 |
| Equity capital | 16,984,000 | 15,832,000 | 16,143,000 | 16,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,110,000 | 4,347,000 | 6,749,000 | 9,187,000 |
| Interest expense | 176,000 | 340,000 | 548,000 | 776,000 |
| Net interest income | 1,934,000 | 4,007,000 | 6,201,000 | 8,411,000 |
| Noninterest income | 327,000 | 588,000 | 900,000 | 1,212,000 |
| Noninterest expense | 1,916,000 | 3,829,000 | 5,737,000 | 7,681,000 |
| Provision for loan losses | 0 | 0 | 0 | 99,000 |
| Pretax income | 345,000 | 766,000 | 1,364,000 | 1,843,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 4,000 |
| Net income | 344,000 | 764,000 | 1,360,000 | 1,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,882,000 | 15,739,000 | 16,056,000 | 16,356,000 |
| Total capital | 18,631,000 | 17,564,000 | 17,910,000 | 18,199,000 |
| Risk-weighted assets | 139,706,000 | 145,565,000 | 147,913,000 | 146,971,000 |