Call reports 2002
UNITY BANK CENTRAL — 2002
What UNITY BANK CENTRAL reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 28,505,000 | 29,642,000 | 30,520,000 | 31,522,000 |
| Total loans | 17,984,000 | 18,938,000 | 19,435,000 | 19,958,000 |
| Allowance for loan losses | 215,000 | 215,000 | 231,000 | 250,000 |
| Securities available for sale | 5,414,000 | 5,666,000 | 7,050,000 | 7,265,000 |
| Securities held to maturity | 513,000 | 513,000 | 514,000 | 514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,577,000 | 26,661,000 | 27,396,000 | 28,329,000 |
| Interest-bearing deposits | 21,838,000 | 21,642,000 | 23,314,000 | 23,813,000 |
| Noninterest-bearing deposits | 3,739,000 | 5,019,000 | 4,082,000 | 4,516,000 |
| Equity capital | 2,306,000 | 2,368,000 | 2,518,000 | 2,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 482,000 | 994,000 | 1,539,000 | 2,074,000 |
| Interest expense | 202,000 | 390,000 | 569,000 | 736,000 |
| Net interest income | 280,000 | 604,000 | 970,000 | 1,338,000 |
| Noninterest income | 56,000 | 110,000 | 137,000 | 194,000 |
| Noninterest expense | 217,000 | 450,000 | 685,000 | 933,000 |
| Provision for loan losses | 12,000 | 32,000 | 51,000 | 70,000 |
| Pretax income | 107,000 | 232,000 | 371,000 | 529,000 |
| Income tax | 0 | 1,000 | 2,000 | 1,000 |
| Net income | 107,000 | 231,000 | 369,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,143,000 | 2,186,000 | 2,255,000 | 2,332,000 |
| Total capital | 2,349,000 | 2,401,000 | 2,486,000 | 2,578,000 |
| Risk-weighted assets | 16,418,000 | 18,360,000 | 18,658,000 | 19,691,000 |
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