Call reports 2012
UNITY BANK — 2012
What UNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 809,582,000 | 784,491,000 | 802,056,000 | 819,104,000 |
| Total loans | 582,752,000 | 604,901,000 | 596,910,000 | 587,036,000 |
| Allowance for loan losses | 16,339,000 | 16,284,000 | 15,294,000 | 14,758,000 |
| Securities available for sale | 110,087,000 | 97,862,000 | 90,753,000 | 89,434,000 |
| Securities held to maturity | 17,880,000 | 16,881,000 | 15,585,000 | 21,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 646,195,000 | 619,482,000 | 636,124,000 | 660,584,000 |
| Interest-bearing deposits | 537,005,000 | 511,873,000 | 530,426,000 | 546,057,000 |
| Noninterest-bearing deposits | 109,190,000 | 107,609,000 | 105,698,000 | 114,527,000 |
| Equity capital | 77,308,000 | 78,403,000 | 79,917,000 | 72,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,136,000 | 17,983,000 | 27,019,000 | 35,627,000 |
| Interest expense | 2,324,000 | 4,346,000 | 6,296,000 | 8,174,000 |
| Net interest income | 6,812,000 | 13,637,000 | 20,723,000 | 27,453,000 |
| Noninterest income | 1,278,000 | 2,705,000 | 4,394,000 | 6,231,000 |
| Noninterest expense | 5,825,000 | 11,964,000 | 18,053,000 | 24,184,000 |
| Provision for loan losses | 1,200,000 | 2,200,000 | 3,200,000 | 4,000,000 |
| Pretax income | 1,289,000 | 2,685,000 | 4,378,000 | 6,073,000 |
| Income tax | 429,000 | 908,000 | 1,494,000 | 2,090,000 |
| Net income | 860,000 | 1,777,000 | 2,884,000 | 3,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,140,000 | 76,132,000 | 77,365,000 | 69,544,000 |
| Total capital | 91,257,000 | 92,434,000 | 93,602,000 | 85,687,000 |
| Risk-weighted assets | 600,548,000 | 615,580,000 | 611,310,000 | 604,239,000 |