Call reports 2016
UNITY BANK — 2016
What UNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 198,643,000 | 199,713,000 | 204,674,000 | 204,313,000 |
| Total loans | 164,602,000 | 169,311,000 | 169,875,000 | 171,008,000 |
| Allowance for loan losses | 2,365,000 | 2,449,000 | 2,531,000 | 2,609,000 |
| Securities available for sale | 4,286,000 | 4,274,000 | 5,064,000 | 5,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,640,000 | 180,512,000 | 185,847,000 | 185,129,000 |
| Interest-bearing deposits | 151,974,000 | 152,733,000 | 155,830,000 | 154,132,000 |
| Noninterest-bearing deposits | 27,666,000 | 27,778,000 | 30,017,000 | 30,996,000 |
| Equity capital | 16,704,000 | 16,844,000 | 16,488,000 | 16,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,287,000 | 4,789,000 | 7,160,000 | 9,704,000 |
| Interest expense | 242,000 | 494,000 | 764,000 | 1,039,000 |
| Net interest income | 2,045,000 | 4,295,000 | 6,396,000 | 8,665,000 |
| Noninterest income | 287,000 | 573,000 | 916,000 | 1,279,000 |
| Noninterest expense | 1,993,000 | 3,973,000 | 5,918,000 | 7,842,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 264,000 | 745,000 | 1,169,000 | 1,802,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 263,000 | 743,000 | 1,165,000 | 1,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,606,000 | 16,762,000 | 16,421,000 | 16,716,000 |
| Total capital | 18,469,000 | 18,667,000 | 18,332,000 | 18,672,000 |
| Risk-weighted assets | 148,527,000 | 151,898,000 | 152,266,000 | 155,803,000 |