Call reports 2025
UNITY BANK — 2025
What UNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 636,698,000 | 624,063,000 | 606,450,000 | 611,752,000 |
| Total loans | 483,670,000 | 482,976,000 | 472,445,000 | 471,248,000 |
| Allowance for loan losses | 5,886,000 | 9,631,000 | 8,821,000 | 14,783,000 |
| Securities available for sale | 62,989,000 | 63,470,000 | 64,599,000 | 65,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 550,601,000 | 545,808,000 | 527,299,000 | 537,966,000 |
| Interest-bearing deposits | 462,229,000 | 447,764,000 | 434,411,000 | 442,650,000 |
| Noninterest-bearing deposits | 88,372,000 | 98,044,000 | 92,888,000 | 95,316,000 |
| Equity capital | 59,027,000 | 56,807,000 | 57,646,000 | 52,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,852,000 | 17,897,000 | 26,543,000 | 34,825,000 |
| Interest expense | 3,335,000 | 6,393,000 | 9,297,000 | 12,079,000 |
| Net interest income | 5,517,000 | 11,504,000 | 17,246,000 | 22,746,000 |
| Noninterest income | 503,000 | 1,024,000 | 1,613,000 | 2,093,000 |
| Noninterest expense | 5,268,000 | 10,202,000 | 15,355,000 | 20,663,000 |
| Provision for loan losses | 84,000 | 4,184,000 | 4,639,000 | 10,769,000 |
| Pretax income | 664,000 | -1,860,000 | -1,157,000 | -6,604,000 |
| Income tax | -8,000 | -5,000 | -2,000 | 2,000 |
| Net income | 672,000 | -1,855,000 | -1,155,000 | -6,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,418,000 | 55,895,000 | 56,600,000 | 51,153,000 |
| Total capital | 64,304,000 | 61,868,000 | 62,422,000 | 56,879,000 |
| Risk-weighted assets | 472,895,000 | 474,184,000 | 462,767,000 | 449,089,000 |