Call reports 2014
UNITY BANK — 2014
What UNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 960,521,000 | 931,774,000 | 969,001,000 | 1,008,153,000 |
| Total loans | 683,951,000 | 708,889,000 | 744,366,000 | 761,825,000 |
| Allowance for loan losses | 12,807,000 | 12,858,000 | 12,918,000 | 12,551,000 |
| Securities available for sale | 85,978,000 | 68,559,000 | 65,884,000 | 59,876,000 |
| Securities held to maturity | 23,305,000 | 21,736,000 | 20,825,000 | 20,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 768,347,000 | 728,703,000 | 782,094,000 | 794,547,000 |
| Interest-bearing deposits | 596,253,000 | 583,797,000 | 632,723,000 | 641,696,000 |
| Noninterest-bearing deposits | 172,094,000 | 144,906,000 | 149,371,000 | 152,851,000 |
| Equity capital | 64,451,000 | 66,205,000 | 74,638,000 | 76,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,144,000 | 18,349,000 | 27,961,000 | 37,983,000 |
| Interest expense | 1,853,000 | 3,767,000 | 5,742,000 | 7,770,000 |
| Net interest income | 7,291,000 | 14,582,000 | 22,219,000 | 30,213,000 |
| Noninterest income | 1,196,000 | 2,464,000 | 4,157,000 | 5,540,000 |
| Noninterest expense | 6,152,000 | 12,282,000 | 18,479,000 | 24,518,000 |
| Provision for loan losses | 600,000 | 1,150,000 | 1,700,000 | 2,550,000 |
| Pretax income | 1,845,000 | 3,992,000 | 6,575,000 | 9,118,000 |
| Income tax | 623,000 | 1,300,000 | 2,046,000 | 2,936,000 |
| Net income | 1,222,000 | 2,692,000 | 4,529,000 | 6,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,177,000 | 64,836,000 | 73,273,000 | 74,820,000 |
| Total capital | 80,144,000 | 81,909,000 | 90,670,000 | 92,389,000 |
| Risk-weighted assets | 672,882,000 | 681,463,000 | 707,580,000 | 721,842,000 |