Call reports 2003
UNITY BANK CENTRAL — 2003
What UNITY BANK CENTRAL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,357,000 | 32,713,000 | 33,753,000 | 34,545,000 |
| Total loans | 19,277,000 | 20,858,000 | 21,414,000 | 21,583,000 |
| Allowance for loan losses | 248,000 | 255,000 | 293,000 | 286,000 |
| Securities available for sale | 6,737,000 | 7,216,000 | 7,708,000 | 7,350,000 |
| Securities held to maturity | 214,000 | 214,000 | 364,000 | 364,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,071,000 | 29,437,000 | 30,565,000 | 31,348,000 |
| Interest-bearing deposits | 23,009,000 | 25,063,000 | 25,213,000 | 26,429,000 |
| Noninterest-bearing deposits | 4,062,000 | 4,374,000 | 5,352,000 | 4,919,000 |
| Equity capital | 2,608,000 | 2,689,000 | 2,602,000 | 2,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 489,000 | 1,016,000 | 1,522,000 | 2,031,000 |
| Interest expense | 151,000 | 297,000 | 442,000 | 582,000 |
| Net interest income | 338,000 | 719,000 | 1,080,000 | 1,449,000 |
| Noninterest income | 55,000 | 105,000 | 169,000 | 216,000 |
| Noninterest expense | 259,000 | 530,000 | 811,000 | 1,090,000 |
| Provision for loan losses | 13,000 | 23,000 | 80,000 | 80,000 |
| Pretax income | 124,000 | 274,000 | 361,000 | 500,000 |
| Income tax | -1,000 | -1,000 | 1,000 | 1,000 |
| Net income | 125,000 | 275,000 | 360,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,368,000 | 2,429,000 | 2,425,000 | 2,474,000 |
| Total capital | 2,600,000 | 2,678,000 | 2,680,000 | 2,752,000 |
| Risk-weighted assets | 18,536,000 | 20,329,000 | 20,338,000 | 22,235,000 |
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