Call reports 2007
UNITY BANK — 2007
What UNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,876,000 | 64,430,000 | 62,857,000 | 65,157,000 |
| Total loans | 46,986,000 | 48,756,000 | 49,953,000 | 49,298,000 |
| Allowance for loan losses | 658,000 | 666,000 | 679,000 | 700,000 |
| Securities available for sale | 7,405,000 | 7,874,000 | 7,934,000 | 7,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,713,000 | 57,061,000 | 55,257,000 | 57,366,000 |
| Interest-bearing deposits | 48,826,000 | 50,105,000 | 48,409,000 | 49,911,000 |
| Noninterest-bearing deposits | 6,887,000 | 6,956,000 | 6,848,000 | 7,455,000 |
| Equity capital | 6,768,000 | 6,917,000 | 7,138,000 | 7,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,004,000 | 2,038,000 | 3,124,000 | 4,191,000 |
| Interest expense | 395,000 | 815,000 | 1,262,000 | 1,679,000 |
| Net interest income | 609,000 | 1,223,000 | 1,862,000 | 2,512,000 |
| Noninterest income | 74,000 | 172,000 | 259,000 | 353,000 |
| Noninterest expense | 461,000 | 917,000 | 1,384,000 | 1,875,000 |
| Provision for loan losses | 4,000 | 12,000 | 23,000 | 83,000 |
| Pretax income | 218,000 | 466,000 | 714,000 | 907,000 |
| Income tax | 7,000 | 11,000 | 15,000 | 18,000 |
| Net income | 211,000 | 455,000 | 699,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,794,000 | 5,949,000 | 6,106,000 | 6,206,000 |
| Total capital | 6,361,000 | 6,554,000 | 6,697,000 | 6,801,000 |
| Risk-weighted assets | 46,497,000 | 48,356,000 | 48,504,000 | 48,768,000 |
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