Call reports 2011
UNITY BANK — 2011
What UNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 820,092,000 | 805,461,000 | 820,012,000 | 810,216,000 |
| Total loans | 614,522,000 | 615,105,000 | 603,632,000 | 592,592,000 |
| Allowance for loan losses | 15,275,000 | 16,018,000 | 16,447,000 | 16,348,000 |
| Securities available for sale | 103,137,000 | 101,768,000 | 87,986,000 | 88,677,000 |
| Securities held to maturity | 17,577,000 | 13,316,000 | 12,669,000 | 18,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,531,000 | 645,067,000 | 657,769,000 | 647,412,000 |
| Interest-bearing deposits | 566,860,000 | 548,580,000 | 562,620,000 | 545,128,000 |
| Noninterest-bearing deposits | 93,671,000 | 96,487,000 | 95,149,000 | 102,284,000 |
| Equity capital | 73,374,000 | 74,969,000 | 76,080,000 | 76,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,242,000 | 20,438,000 | 30,389,000 | 39,521,000 |
| Interest expense | 2,739,000 | 5,432,000 | 8,007,000 | 10,528,000 |
| Net interest income | 7,503,000 | 15,006,000 | 22,382,000 | 28,993,000 |
| Noninterest income | 1,141,000 | 2,208,000 | 3,323,000 | 4,471,000 |
| Noninterest expense | 6,170,000 | 11,994,000 | 17,818,000 | 23,623,000 |
| Provision for loan losses | 2,500,000 | 4,250,000 | 5,650,000 | 6,800,000 |
| Pretax income | 99,000 | 1,057,000 | 2,590,000 | 3,344,000 |
| Income tax | -140,000 | 150,000 | 579,000 | 780,000 |
| Net income | 239,000 | 907,000 | 2,011,000 | 2,564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,822,000 | 72,362,000 | 73,552,000 | 74,191,000 |
| Total capital | 87,365,000 | 88,855,000 | 89,869,000 | 90,302,000 |
| Risk-weighted assets | 636,125,000 | 631,320,000 | 616,613,000 | 600,068,000 |