Call reports 2019
UNITY BANK — 2019
What UNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,583,981,000 | 1,620,520,000 | 1,658,759,000 | 1,712,368,000 |
| Total loans | 1,315,366,000 | 1,347,107,000 | 1,370,801,000 | 1,427,862,000 |
| Allowance for loan losses | 15,684,000 | 15,965,000 | 16,002,000 | 16,395,000 |
| Securities available for sale | 45,934,000 | 45,326,000 | 47,295,000 | 64,275,000 |
| Securities held to maturity | 14,780,000 | 14,450,000 | 14,332,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,227,719,000 | 1,265,632,000 | 1,275,492,000 | 1,252,165,000 |
| Interest-bearing deposits | 968,134,000 | 989,627,000 | 995,545,000 | 971,675,000 |
| Noninterest-bearing deposits | 259,585,000 | 276,005,000 | 279,947,000 | 280,490,000 |
| Equity capital | 147,248,000 | 152,458,000 | 157,661,000 | 163,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 18,797,000 | 37,977,000 | 57,392,000 | 77,006,000 |
| Interest expense | 4,201,000 | 8,667,000 | 13,230,000 | 17,691,000 |
| Net interest income | 14,596,000 | 29,310,000 | 44,162,000 | 59,315,000 |
| Noninterest income | 1,618,000 | 3,517,000 | 5,839,000 | 7,766,000 |
| Noninterest expense | 8,778,000 | 17,843,000 | 26,884,000 | 35,929,000 |
| Provision for loan losses | 500,000 | 850,000 | 1,600,000 | 2,100,000 |
| Pretax income | 6,948,000 | 14,159,000 | 21,548,000 | 29,115,000 |
| Income tax | 1,495,000 | 3,120,000 | 4,793,000 | 6,573,000 |
| Net income | 5,453,000 | 11,039,000 | 16,755,000 | 22,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,127,000 | 150,221,000 | 155,506,000 | 160,765,000 |
| Total capital | 160,082,000 | 165,487,000 | 171,033,000 | 171,124,000 |
| Risk-weighted assets | 1,195,328,000 | 1,220,346,000 | 1,241,406,000 | 1,360,765,000 |