Call reports 2001
UNITY BANK CENTRAL — 2001
What UNITY BANK CENTRAL reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 25,870,000 | 26,985,000 | 28,247,000 | 27,715,000 |
| Total loans | 18,531,000 | 19,453,000 | 19,038,000 | 18,446,000 |
| Allowance for loan losses | 183,000 | 200,000 | 204,000 | 206,000 |
| Securities available for sale | 3,727,000 | 3,824,000 | 4,361,000 | 4,158,000 |
| Securities held to maturity | 1,456,000 | 1,162,000 | 1,163,000 | 513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,601,000 | 24,102,000 | 25,363,000 | 24,831,000 |
| Interest-bearing deposits | 20,669,000 | 21,106,000 | 21,014,000 | 20,805,000 |
| Noninterest-bearing deposits | 2,932,000 | 2,996,000 | 4,349,000 | 4,026,000 |
| Equity capital | 2,095,000 | 2,098,000 | 2,242,000 | 2,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 1,030,000 | 1,566,000 | 2,081,000 |
| Interest expense | 276,000 | 548,000 | 806,000 | 1,029,000 |
| Net interest income | 228,000 | 482,000 | 760,000 | 1,052,000 |
| Noninterest income | 94,000 | 156,000 | 218,000 | 272,000 |
| Noninterest expense | 218,000 | 448,000 | 672,000 | 910,000 |
| Provision for loan losses | 6,000 | 32,000 | 48,000 | 48,000 |
| Pretax income | 105,000 | 165,000 | 265,000 | 373,000 |
| Income tax | 5,000 | 12,000 | 13,000 | 13,000 |
| Net income | 100,000 | 153,000 | 252,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,979,000 | 1,973,000 | 2,061,000 | 2,121,000 |
| Total capital | 2,162,000 | 2,173,000 | 2,265,000 | 2,327,000 |
| Risk-weighted assets | 16,799,000 | 17,366,000 | 18,971,000 | 18,970,000 |
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