Call reports 2013
UNITY BANK — 2013
What UNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,102,000 | 78,812,000 | 77,854,000 | 85,752,000 |
| Total loans | 55,215,000 | 59,039,000 | 60,350,000 | 64,429,000 |
| Allowance for loan losses | 822,000 | 770,000 | 828,000 | 816,000 |
| Securities available for sale | 7,567,000 | 7,540,000 | 7,054,000 | 7,059,000 |
| Securities held to maturity | 955,000 | 955,000 | 955,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,952,000 | 69,882,000 | 68,681,000 | 76,525,000 |
| Interest-bearing deposits | 60,214,000 | 58,055,000 | 58,516,000 | 65,456,000 |
| Noninterest-bearing deposits | 9,738,000 | 11,827,000 | 10,165,000 | 11,069,000 |
| Equity capital | 8,748,000 | 8,520,000 | 8,683,000 | 8,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,740,000 | 2,622,000 | 3,551,000 |
| Interest expense | 94,000 | 184,000 | 271,000 | 361,000 |
| Net interest income | 745,000 | 1,556,000 | 2,351,000 | 3,190,000 |
| Noninterest income | 120,000 | 253,000 | 560,000 | 799,000 |
| Noninterest expense | 705,000 | 1,375,000 | 2,056,000 | 2,788,000 |
| Provision for loan losses | 25,000 | 70,000 | 125,000 | 185,000 |
| Pretax income | 135,000 | 364,000 | 730,000 | 1,016,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 15,000 |
| Net income | 131,000 | 356,000 | 718,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,904,000 | 7,708,000 | 7,865,000 | 7,943,000 |
| Total capital | 8,617,000 | 8,468,000 | 8,636,000 | 8,754,000 |
| Risk-weighted assets | 56,951,000 | 60,782,000 | 61,656,000 | 64,882,000 |