Call reports 2002
UNITY BANK — 2002
What UNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 393,802,000 | 409,922,000 | 423,279,000 | 432,050,000 |
| Total loans | 279,586,000 | 296,266,000 | 303,578,000 | 311,794,000 |
| Allowance for loan losses | 3,180,000 | 3,563,000 | 3,786,000 | 4,094,000 |
| Securities available for sale | 56,667,000 | 41,642,000 | 49,948,000 | 54,936,000 |
| Securities held to maturity | 21,988,000 | 23,848,000 | 25,218,000 | 25,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,680,000 | 367,891,000 | 381,067,000 | 388,234,000 |
| Interest-bearing deposits | 292,433,000 | 298,596,000 | 309,566,000 | 312,667,000 |
| Noninterest-bearing deposits | 62,247,000 | 69,295,000 | 71,501,000 | 75,567,000 |
| Equity capital | 24,569,000 | 27,151,000 | 28,172,000 | 29,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,747,000 | 11,873,000 | 18,099,000 | 24,292,000 |
| Interest expense | 2,123,000 | 4,310,000 | 6,453,000 | 8,481,000 |
| Net interest income | 3,624,000 | 7,563,000 | 11,646,000 | 15,811,000 |
| Noninterest income | 1,891,000 | 4,025,000 | 5,648,000 | 7,761,000 |
| Noninterest expense | 3,642,000 | 7,516,000 | 11,333,000 | 15,464,000 |
| Provision for loan losses | 600,000 | 1,575,000 | 1,950,000 | 2,350,000 |
| Pretax income | 1,273,000 | 2,725,000 | 4,239,000 | 5,986,000 |
| Income tax | 447,000 | 961,000 | 1,498,000 | 2,111,000 |
| Net income | 826,000 | 1,764,000 | 2,741,000 | 3,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,707,000 | 26,895,000 | 27,876,000 | 29,509,000 |
| Total capital | 27,887,000 | 30,458,000 | 31,662,000 | 33,541,000 |
| Risk-weighted assets | 273,127,000 | 293,981,000 | 308,842,000 | 322,460,000 |