Call reports 2020
UNITY BANK — 2020
What UNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 526,175,000 | 582,720,000 | 591,245,000 | 591,843,000 |
| Total loans | 429,315,000 | 467,919,000 | 470,969,000 | 465,264,000 |
| Allowance for loan losses | 6,962,000 | 7,232,000 | 7,584,000 | 7,088,000 |
| Securities available for sale | 31,420,000 | 25,342,000 | 28,513,000 | 27,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,770,000 | 518,468,000 | 527,991,000 | 529,042,000 |
| Interest-bearing deposits | 396,855,000 | 421,688,000 | 422,745,000 | 427,515,000 |
| Noninterest-bearing deposits | 65,915,000 | 96,780,000 | 105,246,000 | 101,527,000 |
| Equity capital | 48,153,000 | 48,901,000 | 48,291,000 | 48,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,311,000 | 12,759,000 | 19,175,000 | 25,462,000 |
| Interest expense | 1,245,000 | 2,309,000 | 3,332,000 | 4,258,000 |
| Net interest income | 5,066,000 | 10,450,000 | 15,843,000 | 21,204,000 |
| Noninterest income | 1,342,000 | 2,029,000 | 2,651,000 | 3,327,000 |
| Noninterest expense | 4,237,000 | 8,677,000 | 13,393,000 | 18,031,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,000,000 |
| Pretax income | 1,845,000 | 3,184,000 | 4,183,000 | 5,496,000 |
| Income tax | 22,000 | 26,000 | 30,000 | 31,000 |
| Net income | 1,823,000 | 3,158,000 | 4,153,000 | 5,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,841,000 | 47,434,000 | 46,953,000 | 47,372,000 |
| Total capital | 52,097,000 | 52,850,000 | 52,323,000 | 52,821,000 |
| Risk-weighted assets | 418,753,000 | 431,464,000 | 427,399,000 | 434,412,000 |