Call reports 2010
UNITY BANK — 2010
What UNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 889,030,000 | 868,909,000 | 845,533,000 | 817,608,000 |
| Total loans | 651,199,000 | 637,181,000 | 629,516,000 | 615,936,000 |
| Allowance for loan losses | 14,055,000 | 13,946,000 | 14,163,000 | 14,364,000 |
| Securities available for sale | 113,375,000 | 121,536,000 | 111,685,000 | 107,033,000 |
| Securities held to maturity | 24,977,000 | 22,034,000 | 23,043,000 | 21,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 719,657,000 | 697,803,000 | 674,446,000 | 658,808,000 |
| Interest-bearing deposits | 630,439,000 | 606,010,000 | 583,252,000 | 564,648,000 |
| Noninterest-bearing deposits | 89,218,000 | 91,793,000 | 91,194,000 | 94,160,000 |
| Equity capital | 70,899,000 | 72,050,000 | 73,339,000 | 72,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 11,513,000 | 22,456,000 | 33,183,000 | 44,034,000 |
| Interest expense | 4,017,000 | 7,667,000 | 10,948,000 | 13,903,000 |
| Net interest income | 7,496,000 | 14,789,000 | 22,235,000 | 30,131,000 |
| Noninterest income | 903,000 | 2,065,000 | 3,121,000 | 4,168,000 |
| Noninterest expense | 5,940,000 | 11,968,000 | 18,005,000 | 24,168,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,500,000 | 7,250,000 |
| Pretax income | 963,000 | 1,894,000 | 2,893,000 | 2,966,000 |
| Income tax | 194,000 | 419,000 | 671,000 | 634,000 |
| Net income | 769,000 | 1,475,000 | 2,222,000 | 2,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,147,000 | 69,933,000 | 70,855,000 | 71,053,000 |
| Total capital | 86,273,000 | 86,859,000 | 87,668,000 | 87,631,000 |
| Risk-weighted assets | 684,544,000 | 668,526,000 | 659,100,000 | 639,884,000 |