Call reports 2016
UNITY BANK — 2016
What UNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,118,727,000 | 1,126,190,000 | 1,150,303,000 | 1,185,728,000 |
| Total loans | 889,615,000 | 917,649,000 | 952,418,000 | 975,980,000 |
| Allowance for loan losses | 12,634,000 | 12,758,000 | 12,685,000 | 12,579,000 |
| Securities available for sale | 48,318,000 | 45,012,000 | 43,566,000 | 40,568,000 |
| Securities held to maturity | 18,162,000 | 28,728,000 | 28,174,000 | 20,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 927,943,000 | 914,204,000 | 933,587,000 | 946,666,000 |
| Interest-bearing deposits | 739,905,000 | 704,024,000 | 724,343,000 | 730,406,000 |
| Noninterest-bearing deposits | 188,038,000 | 210,180,000 | 209,244,000 | 216,260,000 |
| Equity capital | 81,544,000 | 84,891,000 | 95,466,000 | 112,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,316,000 | 23,004,000 | 35,330,000 | 47,880,000 |
| Interest expense | 2,300,000 | 4,548,000 | 6,695,000 | 8,856,000 |
| Net interest income | 9,016,000 | 18,456,000 | 28,635,000 | 39,024,000 |
| Noninterest income | 1,877,000 | 5,084,000 | 7,055,000 | 8,911,000 |
| Noninterest expense | 6,705,000 | 13,453,000 | 20,536,000 | 27,849,000 |
| Provision for loan losses | 200,000 | 600,000 | 1,020,000 | 1,220,000 |
| Pretax income | 4,020,000 | 9,599,000 | 14,258,000 | 19,114,000 |
| Income tax | 1,344,000 | 3,345,000 | 4,969,000 | 6,708,000 |
| Net income | 2,676,000 | 6,254,000 | 9,289,000 | 12,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,624,000 | 83,967,000 | 94,202,000 | 110,894,000 |
| Total capital | 99,541,000 | 100,493,000 | 101,556,000 | 122,250,000 |
| Risk-weighted assets | 831,014,000 | 864,373,000 | 898,669,000 | 907,091,000 |