Call reports 2012
UNITY BANK — 2012
What UNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 75,653,000 | 77,880,000 | 79,160,000 | 78,259,000 |
| Total loans | 54,789,000 | 55,030,000 | 56,920,000 | 58,781,000 |
| Allowance for loan losses | 834,000 | 774,000 | 789,000 | 814,000 |
| Securities available for sale | 7,606,000 | 7,588,000 | 7,574,000 | 7,557,000 |
| Securities held to maturity | 955,000 | 955,000 | 955,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,606,000 | 68,995,000 | 70,179,000 | 69,210,000 |
| Interest-bearing deposits | 57,578,000 | 59,770,000 | 59,314,000 | 58,755,000 |
| Noninterest-bearing deposits | 9,028,000 | 9,225,000 | 10,865,000 | 10,455,000 |
| Equity capital | 8,691,000 | 8,496,000 | 8,561,000 | 8,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,750,000 | 2,651,000 | 3,562,000 |
| Interest expense | 126,000 | 243,000 | 360,000 | 460,000 |
| Net interest income | 754,000 | 1,507,000 | 2,291,000 | 3,102,000 |
| Noninterest income | 137,000 | 285,000 | 432,000 | 574,000 |
| Noninterest expense | 639,000 | 1,306,000 | 1,934,000 | 2,577,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 237,000 | 456,000 | 744,000 | 1,029,000 |
| Income tax | 4,000 | 7,000 | 12,000 | 15,000 |
| Net income | 233,000 | 449,000 | 732,000 | 1,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,799,000 | 7,617,000 | 7,692,000 | 7,766,000 |
| Total capital | 8,504,000 | 8,268,000 | 8,402,000 | 8,507,000 |
| Risk-weighted assets | 56,274,000 | 53,172,000 | 57,904,000 | 59,207,000 |