Call reports 2008
UNITY BANK — 2008
What UNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 807,018,000 | 831,846,000 | 863,647,000 | 897,635,000 |
| Total loans | 602,943,000 | 643,039,000 | 685,023,000 | 685,946,000 |
| Allowance for loan losses | 8,650,000 | 8,945,000 | 9,913,000 | 10,326,000 |
| Securities available for sale | 79,542,000 | 76,957,000 | 70,010,000 | 117,254,000 |
| Securities held to maturity | 34,622,000 | 29,862,000 | 29,266,000 | 32,161,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 642,948,000 | 672,829,000 | 685,130,000 | 713,380,000 |
| Interest-bearing deposits | 561,945,000 | 591,310,000 | 602,941,000 | 633,443,000 |
| Noninterest-bearing deposits | 81,003,000 | 81,519,000 | 82,188,000 | 79,937,000 |
| Equity capital | 54,302,000 | 53,970,000 | 52,830,000 | 68,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,638,000 | 24,900,000 | 37,867,000 | 50,766,000 |
| Interest expense | 5,972,000 | 11,366,000 | 17,218,000 | 23,346,000 |
| Net interest income | 6,666,000 | 13,534,000 | 20,649,000 | 27,420,000 |
| Noninterest income | 1,386,000 | 2,591,000 | 3,706,000 | 4,589,000 |
| Noninterest expense | 5,770,000 | 11,347,000 | 17,126,000 | 22,902,000 |
| Provision for loan losses | 450,000 | 1,100,000 | 3,200,000 | 4,500,000 |
| Pretax income | 1,902,000 | 3,575,000 | 2,467,000 | 2,755,000 |
| Income tax | 637,000 | 1,157,000 | 788,000 | 684,000 |
| Net income | 1,265,000 | 2,418,000 | 1,679,000 | 2,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,096,000 | 54,076,000 | 53,439,000 | 69,049,000 |
| Total capital | 69,627,000 | 70,948,000 | 70,561,000 | 86,260,000 |
| Risk-weighted assets | 641,823,000 | 669,021,000 | 688,303,000 | 695,143,000 |