Call reports 2015
UNITY BANK — 2015
What UNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,034,741,000 | 1,023,645,000 | 1,052,054,000 | 1,084,194,000 |
| Total loans | 784,642,000 | 821,696,000 | 855,560,000 | 888,958,000 |
| Allowance for loan losses | 12,181,000 | 12,404,000 | 12,421,000 | 12,759,000 |
| Securities available for sale | 57,683,000 | 55,558,000 | 53,269,000 | 52,649,000 |
| Securities held to maturity | 19,433,000 | 18,609,000 | 18,022,000 | 18,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 789,656,000 | 815,741,000 | 866,645,000 | 894,950,000 |
| Interest-bearing deposits | 626,071,000 | 640,418,000 | 691,314,000 | 709,667,000 |
| Noninterest-bearing deposits | 163,585,000 | 175,323,000 | 175,331,000 | 185,283,000 |
| Equity capital | 78,109,000 | 79,722,000 | 82,028,000 | 84,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,020,000 | 20,553,000 | 31,286,000 | 42,425,000 |
| Interest expense | 1,979,000 | 3,944,000 | 5,990,000 | 8,115,000 |
| Net interest income | 8,041,000 | 16,609,000 | 25,296,000 | 34,310,000 |
| Noninterest income | 1,504,000 | 3,028,000 | 5,146,000 | 6,671,000 |
| Noninterest expense | 6,500,000 | 13,113,000 | 19,988,000 | 26,582,000 |
| Provision for loan losses | 200,000 | 200,000 | 400,000 | 500,000 |
| Pretax income | 2,845,000 | 6,352,000 | 10,082,000 | 13,927,000 |
| Income tax | 975,000 | 2,116,000 | 3,365,000 | 4,652,000 |
| Net income | 1,870,000 | 4,236,000 | 6,717,000 | 9,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,464,000 | 78,709,000 | 80,981,000 | 83,316,000 |
| Total capital | 94,495,000 | 96,908,000 | 99,508,000 | 102,176,000 |
| Risk-weighted assets | 759,662,000 | 772,985,000 | 799,615,000 | 826,508,000 |