Call reports 2017
UNITY BANK — 2017
What UNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 201,863,000 | 212,391,000 | 211,615,000 | 216,664,000 |
| Total loans | 175,427,000 | 176,116,000 | 178,492,000 | 180,298,000 |
| Allowance for loan losses | 2,669,000 | 2,719,000 | 2,688,000 | 2,673,000 |
| Securities available for sale | 7,505,000 | 7,513,000 | 8,501,000 | 8,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,716,000 | 193,080,000 | 192,704,000 | 195,887,000 |
| Interest-bearing deposits | 151,913,000 | 160,311,000 | 158,283,000 | 160,917,000 |
| Noninterest-bearing deposits | 30,803,000 | 32,769,000 | 34,421,000 | 34,970,000 |
| Equity capital | 16,934,000 | 17,058,000 | 16,701,000 | 16,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,369,000 | 4,896,000 | 7,507,000 | 10,140,000 |
| Interest expense | 271,000 | 573,000 | 887,000 | 1,211,000 |
| Net interest income | 2,098,000 | 4,323,000 | 6,620,000 | 8,929,000 |
| Noninterest income | 331,000 | 707,000 | 649,000 | 1,075,000 |
| Noninterest expense | 2,175,000 | 4,250,000 | 6,194,000 | 8,184,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 179,000 | 630,000 | 850,000 | 1,420,000 |
| Income tax | 0 | 2,000 | 3,000 | 3,000 |
| Net income | 179,000 | 628,000 | 847,000 | 1,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,893,000 | 17,110,000 | 16,715,000 | 17,056,000 |
| Total capital | 18,879,000 | 19,221,000 | 18,830,000 | 19,198,000 |
| Risk-weighted assets | 158,181,000 | 168,274,000 | 168,632,000 | 170,825,000 |