Call reports 2007
UNITY BANK — 2007
What UNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 680,560,000 | 731,398,000 | 746,186,000 | 751,525,000 |
| Total loans | 515,562,000 | 541,385,000 | 567,597,000 | 590,131,000 |
| Allowance for loan losses | 7,757,000 | 7,997,000 | 8,183,000 | 8,383,000 |
| Securities available for sale | 62,538,000 | 62,678,000 | 72,747,000 | 64,639,000 |
| Securities held to maturity | 38,121,000 | 36,530,000 | 35,496,000 | 33,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 548,419,000 | 601,891,000 | 612,674,000 | 602,004,000 |
| Interest-bearing deposits | 471,901,000 | 526,862,000 | 539,218,000 | 531,090,000 |
| Noninterest-bearing deposits | 76,518,000 | 75,029,000 | 73,456,000 | 70,914,000 |
| Equity capital | 50,669,000 | 52,018,000 | 53,097,000 | 53,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,700,000 | 23,678,000 | 36,247,000 | 48,908,000 |
| Interest expense | 5,582,000 | 11,360,000 | 17,816,000 | 24,052,000 |
| Net interest income | 6,118,000 | 12,318,000 | 18,431,000 | 24,856,000 |
| Noninterest income | 1,669,000 | 3,416,000 | 4,856,000 | 6,511,000 |
| Noninterest expense | 5,418,000 | 10,675,000 | 16,176,000 | 22,100,000 |
| Provision for loan losses | 200,000 | 550,000 | 1,000,000 | 1,550,000 |
| Pretax income | 2,179,000 | 4,519,000 | 6,121,000 | 7,123,000 |
| Income tax | 664,000 | 1,381,000 | 1,852,000 | 2,121,000 |
| Net income | 1,515,000 | 3,138,000 | 4,269,000 | 5,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,751,000 | 51,576,000 | 52,364,000 | 52,250,000 |
| Total capital | 71,112,000 | 73,293,000 | 68,186,000 | 68,546,000 |
| Risk-weighted assets | 547,887,000 | 576,500,000 | 584,829,000 | 622,968,000 |