Call reports 2008
UNITY BANK — 2008
What UNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 64,623,000 | 65,928,000 | 67,027,000 | 68,143,000 |
| Total loans | 49,147,000 | 47,389,000 | 46,429,000 | 48,623,000 |
| Allowance for loan losses | 714,000 | 725,000 | 727,000 | 733,000 |
| Securities available for sale | 8,206,000 | 8,181,000 | 10,441,000 | 9,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,541,000 | 57,802,000 | 58,763,000 | 59,733,000 |
| Interest-bearing deposits | 50,162,000 | 50,339,000 | 51,416,000 | 52,141,000 |
| Noninterest-bearing deposits | 6,379,000 | 7,463,000 | 7,347,000 | 7,592,000 |
| Equity capital | 7,623,000 | 7,639,000 | 7,785,000 | 7,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,060,000 | 2,050,000 | 3,022,000 | 3,956,000 |
| Interest expense | 385,000 | 726,000 | 1,062,000 | 1,382,000 |
| Net interest income | 675,000 | 1,324,000 | 1,960,000 | 2,574,000 |
| Noninterest income | 85,000 | 170,000 | 269,000 | 370,000 |
| Noninterest expense | 464,000 | 918,000 | 1,377,000 | 1,871,000 |
| Provision for loan losses | 13,000 | 23,000 | 28,000 | 43,000 |
| Pretax income | 283,000 | 553,000 | 823,000 | 1,029,000 |
| Income tax | 0 | 5,000 | 8,000 | 12,000 |
| Net income | 283,000 | 548,000 | 815,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,421,000 | 6,499,000 | 6,680,000 | 6,795,000 |
| Total capital | 7,030,000 | 7,081,000 | 7,273,000 | 7,402,000 |
| Risk-weighted assets | 48,639,000 | 47,820,000 | 47,288,000 | 49,842,000 |
Machine access — free, no API key
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