Call reports 2009
UNITY BANK — 2009
What UNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 68,474,000 | 68,517,000 | 67,294,000 | 69,764,000 |
| Total loans | 50,289,000 | 49,830,000 | 50,906,000 | 49,902,000 |
| Allowance for loan losses | 744,000 | 756,000 | 771,000 | 787,000 |
| Securities available for sale | 10,528,000 | 9,456,000 | 8,397,000 | 7,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,948,000 | 59,982,000 | 58,739,000 | 61,216,000 |
| Interest-bearing deposits | 53,080,000 | 53,436,000 | 52,176,000 | 53,600,000 |
| Noninterest-bearing deposits | 6,868,000 | 6,546,000 | 6,563,000 | 7,616,000 |
| Equity capital | 7,972,000 | 8,038,000 | 7,993,000 | 8,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 934,000 | 1,866,000 | 2,766,000 | 3,682,000 |
| Interest expense | 303,000 | 583,000 | 852,000 | 1,086,000 |
| Net interest income | 631,000 | 1,283,000 | 1,914,000 | 2,596,000 |
| Noninterest income | 84,000 | 178,000 | 276,000 | 378,000 |
| Noninterest expense | 529,000 | 1,083,000 | 1,630,000 | 2,205,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 171,000 | 348,000 | 515,000 | 709,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 10,000 |
| Net income | 168,000 | 341,000 | 504,000 | 699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,850,000 | 6,962,000 | 6,958,000 | 7,092,000 |
| Total capital | 7,472,000 | 7,596,000 | 7,582,000 | 7,736,000 |
| Risk-weighted assets | 51,081,000 | 50,592,000 | 51,170,000 | 51,357,000 |
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