Call reports 2017
UNITY BANK — 2017
What UNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,222,230,000 | 1,272,092,000 | 1,326,057,000 | 1,450,195,000 |
| Total loans | 1,003,221,000 | 1,049,329,000 | 1,095,377,000 | 1,173,156,000 |
| Allowance for loan losses | 12,681,000 | 12,800,000 | 13,113,000 | 13,556,000 |
| Securities available for sale | 52,246,000 | 54,728,000 | 52,474,000 | 53,216,000 |
| Securities held to maturity | 20,776,000 | 20,241,000 | 19,355,000 | 16,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 981,829,000 | 1,005,510,000 | 1,044,801,000 | 1,044,456,000 |
| Interest-bearing deposits | 760,450,000 | 772,425,000 | 785,659,000 | 787,591,000 |
| Noninterest-bearing deposits | 221,379,000 | 233,085,000 | 259,142,000 | 256,865,000 |
| Equity capital | 115,395,000 | 118,248,000 | 121,300,000 | 123,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 12,959,000 | 26,793,000 | 41,282,000 | 56,660,000 |
| Interest expense | 2,142,000 | 4,407,000 | 6,722,000 | 9,203,000 |
| Net interest income | 10,817,000 | 22,386,000 | 34,560,000 | 47,457,000 |
| Noninterest income | 1,602,000 | 3,263,000 | 4,939,000 | 6,664,000 |
| Noninterest expense | 7,463,000 | 15,169,000 | 22,984,000 | 30,864,000 |
| Provision for loan losses | 250,000 | 650,000 | 1,150,000 | 1,650,000 |
| Pretax income | 4,706,000 | 9,846,000 | 15,434,000 | 21,669,000 |
| Income tax | 1,720,000 | 3,633,000 | 5,641,000 | 9,553,000 |
| Net income | 2,986,000 | 6,213,000 | 9,793,000 | 12,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,345,000 | 116,080,000 | 119,190,000 | 121,049,000 |
| Total capital | 125,024,000 | 128,239,000 | 130,190,000 | 133,515,000 |
| Risk-weighted assets | 933,071,000 | 971,843,000 | 1,005,347,000 | 1,067,973,000 |