Call reports 2003
UNITY BANK — 2003
What UNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 444,766,000 | 447,596,000 | 449,416,000 | 465,967,000 |
| Total loans | 318,612,000 | 325,222,000 | 321,630,000 | 339,757,000 |
| Allowance for loan losses | 4,382,000 | 4,649,000 | 4,960,000 | 5,352,000 |
| Securities available for sale | 54,427,000 | 57,139,000 | 66,856,000 | 77,833,000 |
| Securities held to maturity | 24,106,000 | 21,053,000 | 15,633,000 | 13,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 399,765,000 | 398,207,000 | 400,629,000 | 416,116,000 |
| Interest-bearing deposits | 319,019,000 | 307,614,000 | 312,831,000 | 329,314,000 |
| Noninterest-bearing deposits | 80,746,000 | 90,593,000 | 87,798,000 | 86,802,000 |
| Equity capital | 30,620,000 | 29,908,000 | 30,527,000 | 31,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,190,000 | 12,473,000 | 18,619,000 | 24,895,000 |
| Interest expense | 1,851,000 | 3,515,000 | 5,216,000 | 6,890,000 |
| Net interest income | 4,339,000 | 8,958,000 | 13,403,000 | 18,005,000 |
| Noninterest income | 2,024,000 | 3,969,000 | 6,120,000 | 8,157,000 |
| Noninterest expense | 4,043,000 | 8,221,000 | 12,378,000 | 17,270,000 |
| Provision for loan losses | 450,000 | 850,000 | 1,225,000 | 1,600,000 |
| Pretax income | 1,953,000 | 3,984,000 | 6,021,000 | 7,436,000 |
| Income tax | 738,000 | 1,476,000 | 2,217,000 | 2,750,000 |
| Net income | 1,215,000 | 2,508,000 | 3,804,000 | 4,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,724,000 | 30,017,000 | 31,313,000 | 32,223,000 |
| Total capital | 34,934,000 | 40,317,000 | 41,612,000 | 42,686,000 |
| Risk-weighted assets | 336,313,000 | 343,618,000 | 343,240,000 | 356,220,000 |