Call reports 2015
UNITY BANK — 2015
What UNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,546,000 | 93,821,000 | 133,310,000 | 134,464,000 |
| Total loans | 69,838,000 | 72,143,000 | 96,472,000 | 104,655,000 |
| Allowance for loan losses | 1,057,000 | 1,072,000 | 1,069,000 | 1,199,000 |
| Securities available for sale | 9,013,000 | 9,008,000 | 12,561,000 | 13,477,000 |
| Securities held to maturity | 955,000 | 955,000 | 955,000 | 955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,597,000 | 84,126,000 | 120,997,000 | 121,963,000 |
| Interest-bearing deposits | 72,017,000 | 70,370,000 | 98,983,000 | 103,424,000 |
| Noninterest-bearing deposits | 12,580,000 | 13,756,000 | 22,014,000 | 18,539,000 |
| Equity capital | 9,445,000 | 8,841,000 | 11,865,000 | 11,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,014,000 | 2,018,000 | 3,294,000 | 4,782,000 |
| Interest expense | 100,000 | 212,000 | 343,000 | 488,000 |
| Net interest income | 914,000 | 1,806,000 | 2,951,000 | 4,294,000 |
| Noninterest income | 120,000 | 238,000 | 384,000 | 546,000 |
| Noninterest expense | 802,000 | 1,710,000 | 2,804,000 | 3,913,000 |
| Provision for loan losses | 25,000 | 40,000 | 90,000 | 220,000 |
| Pretax income | 207,000 | 294,000 | 441,000 | 707,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 294,000 | 441,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,650,000 | 8,063,000 | 10,961,000 | 11,158,000 |
| Total capital | 9,606,000 | 8,988,000 | 12,030,000 | 12,357,000 |
| Risk-weighted assets | 76,400,000 | 73,830,000 | 99,729,000 | 108,692,000 |