Call reports 2018
UNITY BANK — 2018
What UNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 213,601,000 | 214,361,000 | 213,827,000 | 216,649,000 |
| Total loans | 181,309,000 | 192,530,000 | 189,027,000 | 180,504,000 |
| Allowance for loan losses | 2,748,000 | 2,802,000 | 2,852,000 | 2,717,000 |
| Securities available for sale | 8,361,000 | 7,871,000 | 7,354,000 | 6,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,539,000 | 192,684,000 | 192,393,000 | 195,134,000 |
| Interest-bearing deposits | 160,273,000 | 161,020,000 | 158,999,000 | 161,040,000 |
| Noninterest-bearing deposits | 32,266,000 | 31,664,000 | 33,394,000 | 34,094,000 |
| Equity capital | 17,347,000 | 17,932,000 | 17,805,000 | 17,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,650,000 | 5,455,000 | 8,186,000 | 10,830,000 |
| Interest expense | 338,000 | 714,000 | 1,120,000 | 1,559,000 |
| Net interest income | 2,312,000 | 4,741,000 | 7,066,000 | 9,271,000 |
| Noninterest income | 426,000 | 829,000 | 1,243,000 | 1,682,000 |
| Noninterest expense | 2,055,000 | 4,033,000 | 6,053,000 | 8,358,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 608,000 | 1,387,000 | 2,031,000 | 2,295,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 607,000 | 1,384,000 | 2,027,000 | 2,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,482,000 | 18,066,000 | 17,959,000 | 17,951,000 |
| Total capital | 19,573,000 | 20,309,000 | 20,230,000 | 20,112,000 |
| Risk-weighted assets | 166,589,000 | 178,867,000 | 181,119,000 | 172,370,000 |