Call reports 2018
UNITY BANK — 2018
What UNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,434,633,000 | 1,509,139,000 | 1,548,364,000 | 1,570,941,000 |
| Total loans | 1,197,570,000 | 1,248,951,000 | 1,285,722,000 | 1,306,962,000 |
| Allowance for loan losses | 14,196,000 | 14,634,000 | 14,988,000 | 15,488,000 |
| Securities available for sale | 50,162,000 | 48,707,000 | 46,874,000 | 46,713,000 |
| Securities held to maturity | 16,168,000 | 15,777,000 | 15,325,000 | 14,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,119,104,000 | 1,148,189,000 | 1,221,387,000 | 1,208,874,000 |
| Interest-bearing deposits | 852,759,000 | 896,519,000 | 948,788,000 | 938,188,000 |
| Noninterest-bearing deposits | 266,345,000 | 251,670,000 | 272,599,000 | 270,686,000 |
| Equity capital | 127,684,000 | 132,400,000 | 137,010,000 | 142,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 16,059,000 | 32,683,000 | 50,195,000 | 68,642,000 |
| Interest expense | 2,707,000 | 5,869,000 | 9,433,000 | 13,266,000 |
| Net interest income | 13,352,000 | 26,814,000 | 40,762,000 | 55,376,000 |
| Noninterest income | 1,886,000 | 3,953,000 | 6,287,000 | 8,038,000 |
| Noninterest expense | 8,481,000 | 16,933,000 | 26,194,000 | 34,759,000 |
| Provision for loan losses | 500,000 | 1,050,000 | 1,550,000 | 2,050,000 |
| Pretax income | 6,240,000 | 12,760,000 | 19,273,000 | 26,577,000 |
| Income tax | 1,220,000 | 2,556,000 | 3,794,000 | 5,396,000 |
| Net income | 5,020,000 | 10,204,000 | 15,479,000 | 21,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,524,000 | 130,173,000 | 134,967,000 | 140,157,000 |
| Total capital | 138,617,000 | 144,386,000 | 149,621,000 | 155,012,000 |
| Risk-weighted assets | 1,081,760,000 | 1,136,392,000 | 1,171,735,000 | 1,187,437,000 |