Call reports 2021
UNITY BANK — 2021
What UNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 599,665,000 | 604,483,000 | 592,156,000 | 593,196,000 |
| Total loans | 446,282,000 | 443,229,000 | 432,087,000 | 438,540,000 |
| Allowance for loan losses | 7,334,000 | 7,218,000 | 6,963,000 | 6,514,000 |
| Securities available for sale | 30,899,000 | 33,047,000 | 29,969,000 | 29,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,015,000 | 547,947,000 | 535,657,000 | 536,440,000 |
| Interest-bearing deposits | 428,282,000 | 438,491,000 | 426,580,000 | 425,928,000 |
| Noninterest-bearing deposits | 109,733,000 | 109,456,000 | 109,076,000 | 110,512,000 |
| Equity capital | 49,260,000 | 49,193,000 | 50,590,000 | 51,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 6,078,000 | 11,947,000 | 18,146,000 | 23,935,000 |
| Interest expense | 825,000 | 1,567,000 | 2,256,000 | 2,871,000 |
| Net interest income | 5,253,000 | 10,380,000 | 15,890,000 | 21,064,000 |
| Noninterest income | 631,000 | 1,310,000 | 1,982,000 | 2,823,000 |
| Noninterest expense | 4,471,000 | 8,860,000 | 13,367,000 | 17,925,000 |
| Provision for loan losses | 180,000 | 80,000 | -170,000 | -580,000 |
| Pretax income | 1,256,000 | 2,779,000 | 4,716,000 | 6,602,000 |
| Income tax | 8,000 | 16,000 | 30,000 | 38,000 |
| Net income | 1,248,000 | 2,763,000 | 4,686,000 | 6,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,177,000 | 48,199,000 | 49,629,000 | 50,514,000 |
| Total capital | 53,382,000 | 53,374,000 | 54,787,000 | 55,823,000 |
| Risk-weighted assets | 414,296,000 | 411,933,000 | 410,849,000 | 423,515,000 |