Call reports 2019
UNITY BANK — 2019
What UNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 492,580,000 | 492,271,000 | 506,312,000 | 527,192,000 |
| Total loans | 410,708,000 | 421,075,000 | 432,747,000 | 436,141,000 |
| Allowance for loan losses | 6,339,000 | 6,356,000 | 6,558,000 | 6,826,000 |
| Securities available for sale | 32,031,000 | 32,852,000 | 31,771,000 | 31,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,198,000 | 434,527,000 | 445,090,000 | 465,056,000 |
| Interest-bearing deposits | 366,293,000 | 367,541,000 | 372,754,000 | 397,314,000 |
| Noninterest-bearing deposits | 69,904,000 | 66,987,000 | 72,336,000 | 67,742,000 |
| Equity capital | 44,264,000 | 45,675,000 | 45,388,000 | 46,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,288,000 | 12,595,000 | 19,140,000 | 25,717,000 |
| Interest expense | 1,070,000 | 2,196,000 | 3,375,000 | 4,618,000 |
| Net interest income | 5,218,000 | 10,399,000 | 15,765,000 | 21,099,000 |
| Noninterest income | 849,000 | 1,504,000 | 2,265,000 | 2,993,000 |
| Noninterest expense | 4,743,000 | 8,786,000 | 13,848,000 | 18,771,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 930,000 |
| Pretax income | 1,114,000 | 2,697,000 | 3,552,000 | 4,391,000 |
| Income tax | 6,000 | 9,000 | 12,000 | 14,000 |
| Net income | 1,108,000 | 2,688,000 | 3,540,000 | 4,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,480,000 | 44,725,000 | 44,451,000 | 45,154,000 |
| Total capital | 48,517,000 | 49,831,000 | 49,652,000 | 50,417,000 |
| Risk-weighted assets | 401,640,000 | 407,195,000 | 414,735,000 | 419,504,000 |