Call reports 2005
UNITY BANK — 2005
What UNITY BANK 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 | 43,017,000 | 58,395,000 | 58,637,000 | 57,400,000 |
| Total loans | 31,697,000 | 40,905,000 | 42,592,000 | 41,546,000 |
| Allowance for loan losses | 575,000 | 592,000 | 601,000 | 610,000 |
| Securities available for sale | 4,029,000 | 5,979,000 | 8,941,000 | 8,396,000 |
| Securities held to maturity | 1,915,000 | 1,908,000 | 1,001,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,700,000 | 51,948,000 | 51,560,000 | 50,614,000 |
| Interest-bearing deposits | 32,603,000 | 45,650,000 | 45,500,000 | 44,589,000 |
| Noninterest-bearing deposits | 4,097,000 | 6,298,000 | 6,060,000 | 6,025,000 |
| Equity capital | 6,059,000 | 6,098,000 | 6,281,000 | 6,383,000 |
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 | 555,000 | 1,286,000 | 2,118,000 | 2,952,000 |
| Interest expense | 143,000 | 347,000 | 581,000 | 830,000 |
| Net interest income | 412,000 | 939,000 | 1,537,000 | 2,122,000 |
| Noninterest income | 62,000 | 133,000 | 212,000 | 280,000 |
| Noninterest expense | 386,000 | 871,000 | 1,333,000 | 1,832,000 |
| Provision for loan losses | 18,000 | 36,000 | 45,000 | 54,000 |
| Pretax income | 70,000 | 165,000 | 371,000 | 516,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 8,000 |
| Net income | 68,000 | 163,000 | 369,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,044,000 | 5,067,000 | 5,272,000 | 5,412,000 |
| Total capital | 6,441,000 | 5,590,000 | 5,800,000 | 5,921,000 |
| Risk-weighted assets | 32,362,000 | 41,803,000 | 43,283,000 | 40,596,000 |
Machine access — free, no API key
Every figure shown here about UNITY BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.