Call reports 2005
UNITY BANK CENTRAL — 2005
What UNITY BANK CENTRAL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 34,416,000 | 35,786,000 | 36,448,000 | 37,103,000 |
| Total loans | 22,620,000 | 23,236,000 | 23,792,000 | 24,282,000 |
| Allowance for loan losses | 305,000 | 314,000 | 323,000 | 339,000 |
| Securities available for sale | 8,812,000 | 8,697,000 | 8,886,000 | 9,107,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,779,000 | 33,120,000 | 33,797,000 | 34,457,000 |
| Interest-bearing deposits | 27,162,000 | 28,756,000 | 28,642,000 | 29,503,000 |
| Noninterest-bearing deposits | 4,617,000 | 4,364,000 | 5,155,000 | 4,954,000 |
| Equity capital | 2,530,000 | 2,557,000 | 2,549,000 | 2,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 464,000 | 958,000 | 1,495,000 | 2,030,000 |
| Interest expense | 143,000 | 300,000 | 479,000 | 672,000 |
| Net interest income | 321,000 | 658,000 | 1,016,000 | 1,358,000 |
| Noninterest income | 67,000 | 132,000 | 207,000 | 279,000 |
| Noninterest expense | 295,000 | 606,000 | 912,000 | 1,238,000 |
| Provision for loan losses | 11,000 | 24,000 | 36,000 | 51,000 |
| Pretax income | 91,000 | 176,000 | 293,000 | 366,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 91,000 | 176,000 | 293,000 | 366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,713,000 | 2,656,000 | 2,701,000 | 2,702,000 |
| Total capital | 2,969,000 | 2,921,000 | 2,970,000 | 2,980,000 |
| Risk-weighted assets | 20,454,000 | 21,122,000 | 21,470,000 | 21,991,000 |
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