Call reports 2001
UNITY BANK — 2001
What UNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 366,343,000 | 358,455,000 | 368,184,000 | 378,818,000 |
| Total loans | 223,948,000 | 237,673,000 | 251,868,000 | 272,559,000 |
| Allowance for loan losses | 2,550,000 | 2,664,000 | 2,871,000 | 3,165,000 |
| Securities available for sale | 50,587,000 | 60,297,000 | 58,584,000 | 58,520,000 |
| Securities held to maturity | 25,666,000 | 26,031,000 | 22,238,000 | 20,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,637,000 | 323,321,000 | 330,542,000 | 341,021,000 |
| Interest-bearing deposits | 278,587,000 | 264,972,000 | 271,888,000 | 276,316,000 |
| Noninterest-bearing deposits | 53,050,000 | 58,349,000 | 58,654,000 | 64,705,000 |
| Equity capital | 20,491,000 | 20,864,000 | 22,755,000 | 23,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 6,013,000 | 11,954,000 | 17,912,000 | 23,878,000 |
| Interest expense | 3,358,000 | 6,496,000 | 9,290,000 | 11,722,000 |
| Net interest income | 2,655,000 | 5,458,000 | 8,622,000 | 12,156,000 |
| Noninterest income | 1,127,000 | 2,567,000 | 3,866,000 | 5,235,000 |
| Noninterest expense | 3,512,000 | 7,236,000 | 10,715,000 | 14,287,000 |
| Provision for loan losses | 150,000 | 300,000 | 575,000 | 1,400,000 |
| Pretax income | 120,000 | 489,000 | 1,213,000 | 1,808,000 |
| Income tax | 6,000 | 10,000 | 14,000 | -382,000 |
| Net income | 114,000 | 479,000 | 1,199,000 | 2,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,493,000 | 20,872,000 | 22,392,000 | 23,384,000 |
| Total capital | 23,043,000 | 23,536,000 | 25,263,000 | 26,549,000 |
| Risk-weighted assets | 221,175,000 | 229,556,000 | 238,222,000 | 259,810,000 |