Call reports 2005
UNITY BANK — 2005
What UNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 524,891,000 | 576,415,000 | 608,987,000 | 613,013,000 |
| Total loans | 381,172,000 | 410,925,000 | 434,748,000 | 448,567,000 |
| Allowance for loan losses | 5,942,000 | 6,239,000 | 6,558,000 | 6,892,000 |
| Securities available for sale | 73,009,000 | 75,700,000 | 67,308,000 | 62,988,000 |
| Securities held to maturity | 23,593,000 | 35,635,000 | 33,763,000 | 40,748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,070,000 | 478,169,000 | 519,476,000 | 522,527,000 |
| Interest-bearing deposits | 371,270,000 | 398,341,000 | 438,014,000 | 442,495,000 |
| Noninterest-bearing deposits | 77,800,000 | 79,827,000 | 81,462,000 | 80,032,000 |
| Equity capital | 37,696,000 | 39,987,000 | 41,370,000 | 42,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,522,000 | 15,461,000 | 24,341,000 | 33,820,000 |
| Interest expense | 2,231,000 | 4,871,000 | 7,969,000 | 11,415,000 |
| Net interest income | 5,291,000 | 10,590,000 | 16,372,000 | 22,405,000 |
| Noninterest income | 1,722,000 | 3,873,000 | 6,003,000 | 8,070,000 |
| Noninterest expense | 4,618,000 | 9,222,000 | 13,779,000 | 18,564,000 |
| Provision for loan losses | 300,000 | 650,000 | 1,325,000 | 1,850,000 |
| Pretax income | 2,095,000 | 4,615,000 | 7,287,000 | 10,077,000 |
| Income tax | 798,000 | 1,758,000 | 2,782,000 | 3,763,000 |
| Net income | 1,297,000 | 2,857,000 | 4,505,000 | 6,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,779,000 | 40,459,000 | 42,113,000 | 42,260,000 |
| Total capital | 50,023,000 | 52,076,000 | 54,115,000 | 54,473,000 |
| Risk-weighted assets | 418,984,000 | 448,614,000 | 479,670,000 | 496,386,000 |