Call reports 2004
UNITY BANK CENTRAL — 2004
What UNITY BANK CENTRAL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 34,674,000 | 34,314,000 | 35,323,000 | 34,894,000 |
| Total loans | 22,320,000 | 21,934,000 | 22,017,000 | 22,120,000 |
| Allowance for loan losses | 292,000 | 288,000 | 299,000 | 300,000 |
| Securities available for sale | 8,350,000 | 8,498,000 | 8,808,000 | 9,143,000 |
| Securities held to maturity | 364,000 | 365,000 | 365,000 | 365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,318,000 | 31,734,000 | 32,595,000 | 32,233,000 |
| Interest-bearing deposits | 26,507,000 | 27,184,000 | 27,657,000 | 27,185,000 |
| Noninterest-bearing deposits | 4,811,000 | 4,550,000 | 4,938,000 | 5,048,000 |
| Equity capital | 2,767,000 | 2,497,000 | 2,632,000 | 2,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 476,000 | 954,000 | 1,447,000 | 1,912,000 |
| Interest expense | 142,000 | 279,000 | 418,000 | 561,000 |
| Net interest income | 334,000 | 675,000 | 1,029,000 | 1,351,000 |
| Noninterest income | 56,000 | 128,000 | 194,000 | 261,000 |
| Noninterest expense | 295,000 | 571,000 | 851,000 | 1,139,000 |
| Provision for loan losses | 12,000 | 27,000 | 47,000 | 62,000 |
| Pretax income | 116,000 | 238,000 | 362,000 | 448,000 |
| Income tax | 0 | 0 | 1,000 | 0 |
| Net income | 116,000 | 238,000 | 361,000 | 448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,590,000 | 2,564,000 | 2,614,000 | 2,622,000 |
| Total capital | 2,840,000 | 2,825,000 | 2,885,000 | 2,886,000 |
| Risk-weighted assets | 20,064,000 | 20,891,000 | 21,454,000 | 20,304,000 |
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