Call reports 2006
UNITY BANK CENTRAL — 2006
What UNITY BANK CENTRAL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 36,811,000 | 37,760,000 | 38,863,000 |
| Total loans | 25,207,000 | 26,118,000 | 27,380,000 |
| Allowance for loan losses | 352,000 | 331,000 | 352,000 |
| Securities available for sale | 9,174,000 | 8,891,000 | 8,500,000 |
| Securities held to maturity | 250,000 | 250,000 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 33,592,000 | 33,874,000 | 34,094,000 |
| Interest-bearing deposits | 28,801,000 | 28,617,000 | 29,057,000 |
| Noninterest-bearing deposits | 4,791,000 | 5,257,000 | 5,037,000 |
| Equity capital | 2,593,000 | 2,535,000 | 2,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Interest income | 538,000 | 1,121,000 | 1,721,000 |
| Interest expense | 207,000 | 433,000 | 700,000 |
| Net interest income | 331,000 | 688,000 | 1,021,000 |
| Noninterest income | 67,000 | 142,000 | 201,000 |
| Noninterest expense | 296,000 | 603,000 | 887,000 |
| Provision for loan losses | 17,000 | 42,000 | 72,000 |
| Pretax income | 85,000 | 185,000 | 263,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 85,000 | 185,000 | 263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 2,787,000 | 2,739,000 | 2,742,000 |
| Total capital | 3,075,000 | 3,027,000 | 3,042,000 |
| Risk-weighted assets | 22,217,000 | 23,029,000 | 23,952,000 |
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