Call reports 2010
UNITY BANK — 2010
What UNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 69,436,000 | 68,977,000 | 70,588,000 | 72,373,000 |
| Total loans | 50,169,000 | 50,996,000 | 53,258,000 | 51,522,000 |
| Allowance for loan losses | 802,000 | 724,000 | 747,000 | 799,000 |
| Securities available for sale | 8,651,000 | 7,718,000 | 7,720,000 | 7,692,000 |
| Securities held to maturity | 0 | 955,000 | 955,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,933,000 | 60,323,000 | 61,810,000 | 63,525,000 |
| Interest-bearing deposits | 54,149,000 | 53,034,000 | 54,759,000 | 55,626,000 |
| Noninterest-bearing deposits | 6,784,000 | 7,289,000 | 7,051,000 | 7,899,000 |
| Equity capital | 8,125,000 | 8,249,000 | 8,389,000 | 8,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,781,000 | 2,712,000 | 3,651,000 |
| Interest expense | 209,000 | 406,000 | 599,000 | 781,000 |
| Net interest income | 677,000 | 1,375,000 | 2,113,000 | 2,870,000 |
| Noninterest income | 91,000 | 182,000 | 284,000 | 389,000 |
| Noninterest expense | 548,000 | 1,132,000 | 1,695,000 | 2,294,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 85,000 |
| Pretax income | 205,000 | 395,000 | 652,000 | 880,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 15,000 |
| Net income | 201,000 | 387,000 | 641,000 | 865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,127,000 | 7,229,000 | 7,357,000 | 7,457,000 |
| Total capital | 7,759,000 | 7,883,000 | 8,021,000 | 8,127,000 |
| Risk-weighted assets | 51,627,000 | 52,231,000 | 53,015,000 | 53,445,000 |
Machine access — free, no API key
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