Call reports 2009
UNITY BANK — 2009
What UNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 885,751,000 | 912,542,000 | 921,740,000 | 929,471,000 |
| Total loans | 669,902,000 | 665,331,000 | 656,521,000 | 657,015,000 |
| Allowance for loan losses | 10,307,000 | 10,665,000 | 12,445,000 | 13,842,000 |
| Securities available for sale | 122,789,000 | 132,620,000 | 140,793,000 | 140,680,000 |
| Securities held to maturity | 35,149,000 | 32,075,000 | 30,595,000 | 28,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 709,138,000 | 737,420,000 | 756,020,000 | 763,341,000 |
| Interest-bearing deposits | 627,638,000 | 648,200,000 | 667,188,000 | 678,399,000 |
| Noninterest-bearing deposits | 81,500,000 | 89,220,000 | 88,832,000 | 84,942,000 |
| Equity capital | 68,781,000 | 68,508,000 | 69,131,000 | 69,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 12,590,000 | 25,120,000 | 37,305,000 | 49,409,000 |
| Interest expense | 5,787,000 | 11,428,000 | 16,720,000 | 21,453,000 |
| Net interest income | 6,803,000 | 13,692,000 | 20,585,000 | 27,956,000 |
| Noninterest income | 834,000 | 1,672,000 | 2,679,000 | 3,890,000 |
| Noninterest expense | 5,556,000 | 11,749,000 | 17,864,000 | 23,938,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 6,000,000 | 8,000,000 |
| Pretax income | 1,096,000 | -617,000 | -1,674,000 | -1,849,000 |
| Income tax | 346,000 | -193,000 | -526,000 | -855,000 |
| Net income | 750,000 | -424,000 | -1,148,000 | -994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,824,000 | 68,753,000 | 68,128,000 | 68,298,000 |
| Total capital | 86,875,000 | 85,984,000 | 85,321,000 | 85,555,000 |
| Risk-weighted assets | 682,253,000 | 696,463,000 | 691,591,000 | 695,371,000 |