Call reports 2023
UNITY BANK — 2023
What UNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 599,430,000 | 604,328,000 | 603,355,000 | 614,880,000 |
| Total loans | 496,082,000 | 515,089,000 | 512,800,000 | 516,554,000 |
| Allowance for loan losses | 6,958,000 | 7,027,000 | 7,855,000 | 7,886,000 |
| Securities available for sale | 58,559,000 | 58,446,000 | 58,597,000 | 58,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,357,000 | 518,795,000 | 514,126,000 | 533,218,000 |
| Interest-bearing deposits | 414,308,000 | 416,988,000 | 414,993,000 | 428,573,000 |
| Noninterest-bearing deposits | 110,049,000 | 101,808,000 | 99,133,000 | 104,645,000 |
| Equity capital | 55,133,000 | 56,506,000 | 56,840,000 | 58,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,228,000 | 15,216,000 | 23,489,000 | 31,822,000 |
| Interest expense | 1,341,000 | 3,406,000 | 5,953,000 | 8,804,000 |
| Net interest income | 5,887,000 | 11,810,000 | 17,536,000 | 23,018,000 |
| Noninterest income | 507,000 | 1,130,000 | 1,735,000 | 2,283,000 |
| Noninterest expense | 4,550,000 | 9,007,000 | 13,582,000 | 18,360,000 |
| Provision for loan losses | 128,000 | 206,000 | 1,221,000 | 1,299,000 |
| Pretax income | 1,729,000 | 3,754,000 | 4,511,000 | 5,720,000 |
| Income tax | 14,000 | 15,000 | 21,000 | 28,000 |
| Net income | 1,715,000 | 3,739,000 | 4,490,000 | 5,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,110,000 | 57,640,000 | 57,899,000 | 58,508,000 |
| Total capital | 62,111,000 | 63,878,000 | 64,197,000 | 64,861,000 |
| Risk-weighted assets | 479,095,000 | 498,293,000 | 502,258,000 | 506,701,000 |