Call reports 2013
UNITY BANK — 2013
What UNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 826,403,000 | 823,907,000 | 875,436,000 | 920,480,000 |
| Total loans | 596,571,000 | 622,316,000 | 660,617,000 | 678,702,000 |
| Allowance for loan losses | 14,345,000 | 14,309,000 | 13,550,000 | 13,141,000 |
| Securities available for sale | 90,899,000 | 84,053,000 | 80,762,000 | 80,967,000 |
| Securities held to maturity | 28,267,000 | 27,057,000 | 25,980,000 | 26,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 663,768,000 | 629,472,000 | 727,834,000 | 739,442,000 |
| Interest-bearing deposits | 545,567,000 | 501,401,000 | 564,195,000 | 603,367,000 |
| Noninterest-bearing deposits | 118,201,000 | 128,071,000 | 163,639,000 | 136,075,000 |
| Equity capital | 72,953,000 | 73,603,000 | 61,564,000 | 62,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,426,000 | 16,958,000 | 25,590,000 | 34,562,000 |
| Interest expense | 1,745,000 | 3,462,000 | 5,179,000 | 6,998,000 |
| Net interest income | 6,681,000 | 13,496,000 | 20,411,000 | 27,564,000 |
| Noninterest income | 1,484,000 | 2,868,000 | 4,294,000 | 5,542,000 |
| Noninterest expense | 6,121,000 | 12,151,000 | 18,053,000 | 23,915,000 |
| Provision for loan losses | 650,000 | 950,000 | 1,550,000 | 2,350,000 |
| Pretax income | 1,617,000 | 3,593,000 | 5,466,000 | 7,228,000 |
| Income tax | 565,000 | 1,257,000 | 1,903,000 | 2,452,000 |
| Net income | 1,052,000 | 2,336,000 | 3,563,000 | 4,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,676,000 | 72,029,000 | 59,896,000 | 61,493,000 |
| Total capital | 87,062,000 | 88,249,000 | 76,471,000 | 78,296,000 |
| Risk-weighted assets | 624,381,000 | 610,830,000 | 640,392,000 | 659,331,000 |