Call reports 2014
UNITY BANK — 2014
What UNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,887,000 | 89,693,000 | 94,379,000 | 95,062,000 |
| Total loans | 66,617,000 | 72,766,000 | 72,010,000 | 70,286,000 |
| Allowance for loan losses | 905,000 | 927,000 | 971,000 | 1,032,000 |
| Securities available for sale | 7,029,000 | 7,031,000 | 7,010,000 | 6,991,000 |
| Securities held to maturity | 955,000 | 955,000 | 955,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,356,000 | 80,263,000 | 84,934,000 | 85,353,000 |
| Interest-bearing deposits | 66,303,000 | 66,951,000 | 70,484,000 | 69,723,000 |
| Noninterest-bearing deposits | 13,053,000 | 13,312,000 | 14,450,000 | 15,630,000 |
| Equity capital | 9,032,000 | 8,963,000 | 8,988,000 | 9,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 995,000 | 2,032,000 | 3,110,000 | 4,154,000 |
| Interest expense | 96,000 | 199,000 | 304,000 | 413,000 |
| Net interest income | 899,000 | 1,833,000 | 2,806,000 | 3,741,000 |
| Noninterest income | 209,000 | 370,000 | 456,000 | 545,000 |
| Noninterest expense | 731,000 | 1,490,000 | 2,233,000 | 2,975,000 |
| Provision for loan losses | 90,000 | 145,000 | 190,000 | 235,000 |
| Pretax income | 287,000 | 568,000 | 839,000 | 1,074,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 15,000 |
| Net income | 283,000 | 560,000 | 828,000 | 1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,233,000 | 8,164,000 | 8,199,000 | 8,437,000 |
| Total capital | 9,086,000 | 9,051,000 | 9,133,000 | 9,339,000 |
| Risk-weighted assets | 68,185,000 | 70,919,000 | 74,660,000 | 72,041,000 |
Machine access — free, no API key
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