Call reports 2004
UNITY BANK — 2004
What UNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 472,215,000 | 490,174,000 | 492,668,000 | 514,364,000 |
| Total loans | 331,507,000 | 337,557,000 | 354,189,000 | 373,579,000 |
| Allowance for loan losses | 5,466,000 | 5,599,000 | 5,726,000 | 5,856,000 |
| Securities available for sale | 73,686,000 | 86,011,000 | 84,430,000 | 76,325,000 |
| Securities held to maturity | 12,392,000 | 22,974,000 | 21,733,000 | 23,579,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,918,000 | 430,819,000 | 425,312,000 | 435,270,000 |
| Interest-bearing deposits | 324,137,000 | 337,614,000 | 336,413,000 | 351,439,000 |
| Noninterest-bearing deposits | 86,781,000 | 93,205,000 | 88,899,000 | 83,831,000 |
| Equity capital | 33,374,000 | 32,625,000 | 35,395,000 | 36,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,226,000 | 12,415,000 | 19,144,000 | 26,162,000 |
| Interest expense | 1,624,000 | 3,340,000 | 5,096,000 | 7,046,000 |
| Net interest income | 4,602,000 | 9,075,000 | 14,048,000 | 19,116,000 |
| Noninterest income | 1,804,000 | 3,667,000 | 5,637,000 | 7,485,000 |
| Noninterest expense | 4,364,000 | 8,378,000 | 12,699,000 | 17,120,000 |
| Provision for loan losses | 250,000 | 500,000 | 825,000 | 1,175,000 |
| Pretax income | 1,845,000 | 3,910,000 | 6,207,000 | 8,356,000 |
| Income tax | 652,000 | 1,412,000 | 2,262,000 | 3,044,000 |
| Net income | 1,193,000 | 2,498,000 | 3,945,000 | 5,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,416,000 | 34,491,000 | 35,938,000 | 37,485,000 |
| Total capital | 43,904,000 | 45,116,000 | 46,736,000 | 48,584,000 |
| Risk-weighted assets | 358,074,000 | 369,029,000 | 382,947,000 | 406,520,000 |