Call reports 2006
UNITY BANK — 2006
What UNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 627,031,000 | 669,735,000 | 669,821,000 | 692,548,000 |
| Total loans | 467,964,000 | 484,620,000 | 498,842,000 | 507,691,000 |
| Allowance for loan losses | 7,120,000 | 7,257,000 | 7,480,000 | 7,624,000 |
| Securities available for sale | 60,801,000 | 65,353,000 | 66,031,000 | 62,370,000 |
| Securities held to maturity | 38,230,000 | 40,875,000 | 43,910,000 | 42,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 535,067,000 | 576,625,000 | 558,943,000 | 572,860,000 |
| Interest-bearing deposits | 453,595,000 | 494,795,000 | 481,770,000 | 492,804,000 |
| Noninterest-bearing deposits | 81,472,000 | 81,829,000 | 77,174,000 | 80,056,000 |
| Equity capital | 44,441,000 | 45,679,000 | 48,104,000 | 48,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,996,000 | 20,637,000 | 31,888,000 | 43,158,000 |
| Interest expense | 3,864,000 | 8,372,000 | 13,571,000 | 19,041,000 |
| Net interest income | 6,132,000 | 12,265,000 | 18,317,000 | 24,117,000 |
| Noninterest income | 1,997,000 | 3,635,000 | 5,852,000 | 7,550,000 |
| Noninterest expense | 5,248,000 | 10,230,000 | 15,589,000 | 21,008,000 |
| Provision for loan losses | 300,000 | 550,000 | 950,000 | 1,550,000 |
| Pretax income | 2,581,000 | 5,120,000 | 7,630,000 | 9,109,000 |
| Income tax | 871,000 | 1,702,000 | 2,560,000 | 3,056,000 |
| Net income | 1,710,000 | 3,418,000 | 5,070,000 | 6,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,046,000 | 45,819,000 | 47,585,000 | 48,125,000 |
| Total capital | 56,255,000 | 58,376,000 | 68,703,000 | 69,451,000 |
| Risk-weighted assets | 495,865,000 | 523,725,000 | 528,401,000 | 544,999,000 |