Call reports 2018
UNITY BANK — 2018
What UNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 179,117,000 | 182,071,000 | 179,032,000 | 179,910,000 |
| Total loans | 147,748,000 | 148,457,000 | 146,769,000 | 146,902,000 |
| Allowance for loan losses | 2,038,000 | 2,128,000 | 2,205,000 | 2,291,000 |
| Securities available for sale | 12,416,000 | 12,900,000 | 12,876,000 | 12,388,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,267,000 | 156,062,000 | 155,921,000 | 157,074,000 |
| Interest-bearing deposits | 135,659,000 | 135,988,000 | 136,860,000 | 132,713,000 |
| Noninterest-bearing deposits | 18,608,000 | 20,075,000 | 19,060,000 | 24,361,000 |
| Equity capital | 15,877,000 | 16,261,000 | 16,690,000 | 16,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,032,000 | 4,142,000 | 6,280,000 | 8,472,000 |
| Interest expense | 279,000 | 658,000 | 1,072,000 | 1,481,000 |
| Net interest income | 1,753,000 | 3,484,000 | 5,208,000 | 6,991,000 |
| Noninterest income | 219,000 | 425,000 | 668,000 | 860,000 |
| Noninterest expense | 1,356,000 | 2,650,000 | 3,941,000 | 5,191,000 |
| Provision for loan losses | 75,000 | 165,000 | 255,000 | 545,000 |
| Pretax income | 541,000 | 1,094,000 | 1,680,000 | 2,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 541,000 | 1,094,000 | 1,680,000 | 2,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,078,000 | 15,467,000 | 15,916,000 | 15,963,000 |
| Total capital | 16,941,000 | 17,333,000 | 17,754,000 | 17,801,000 |
| Risk-weighted assets | 148,837,000 | 148,995,000 | 146,648,000 | 146,622,000 |