Call reports 2022
UNITY BANK — 2022
What UNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 603,011,000 | 592,165,000 | 591,545,000 | 590,521,000 |
| Total loans | 411,773,000 | 448,525,000 | 470,029,000 | 489,526,000 |
| Allowance for loan losses | 6,099,000 | 6,251,000 | 6,473,000 | 6,776,000 |
| Securities available for sale | 54,524,000 | 63,687,000 | 68,454,000 | 58,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,589,000 | 539,875,000 | 538,184,000 | 518,770,000 |
| Interest-bearing deposits | 436,092,000 | 428,951,000 | 418,681,000 | 405,903,000 |
| Noninterest-bearing deposits | 111,496,000 | 110,924,000 | 119,503,000 | 112,867,000 |
| Equity capital | 50,401,000 | 50,072,000 | 50,527,000 | 52,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,368,000 | 11,188,000 | 17,561,000 | 24,652,000 |
| Interest expense | 536,000 | 1,159,000 | 1,920,000 | 2,781,000 |
| Net interest income | 4,832,000 | 10,029,000 | 15,641,000 | 21,871,000 |
| Noninterest income | 562,000 | 1,195,000 | 1,850,000 | 2,420,000 |
| Noninterest expense | 4,370,000 | 8,692,000 | 13,304,000 | 17,973,000 |
| Provision for loan losses | -400,000 | -276,000 | -92,000 | 118,000 |
| Pretax income | 1,412,000 | 2,779,000 | 4,253,000 | 6,181,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 11,000 |
| Net income | 1,402,000 | 2,759,000 | 4,223,000 | 6,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,773,000 | 51,037,000 | 52,508,000 | 54,463,000 |
| Total capital | 55,766,000 | 56,482,000 | 58,223,000 | 60,500,000 |
| Risk-weighted assets | 398,319,000 | 434,776,000 | 456,473,000 | 482,259,000 |