Call reports 2016
UNITY BANK — 2016
What UNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 137,670,000 | 138,420,000 | 144,610,000 | 148,892,000 |
| Total loans | 107,947,000 | 110,837,000 | 114,036,000 | 120,296,000 |
| Allowance for loan losses | 1,274,000 | 1,213,000 | 1,288,000 | 1,330,000 |
| Securities available for sale | 14,056,000 | 13,611,000 | 13,080,000 | 13,000,000 |
| Securities held to maturity | 955,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,961,000 | 125,650,000 | 126,900,000 | 131,264,000 |
| Interest-bearing deposits | 105,353,000 | 107,366,000 | 108,347,000 | 114,464,000 |
| Noninterest-bearing deposits | 19,608,000 | 18,284,000 | 18,553,000 | 16,800,000 |
| Equity capital | 12,177,000 | 12,237,000 | 12,161,000 | 12,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,478,000 | 3,033,000 | 4,602,000 | 6,293,000 |
| Interest expense | 160,000 | 317,000 | 496,000 | 697,000 |
| Net interest income | 1,318,000 | 2,716,000 | 4,106,000 | 5,596,000 |
| Noninterest income | 169,000 | 334,000 | 512,000 | 700,000 |
| Noninterest expense | 1,213,000 | 2,374,000 | 3,707,000 | 4,993,000 |
| Provision for loan losses | 75,000 | 188,000 | 263,000 | 338,000 |
| Pretax income | 199,000 | 488,000 | 648,000 | 961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 199,000 | 488,000 | 648,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,248,000 | 11,253,000 | 11,212,000 | 11,244,000 |
| Total capital | 12,522,000 | 12,466,000 | 12,500,000 | 12,574,000 |
| Risk-weighted assets | 110,940,000 | 108,493,000 | 119,294,000 | 118,361,000 |