Call reports 2021
UNITY BANK — 2021
What UNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,997,704,000 | 1,966,037,000 | 1,981,173,000 | 2,022,383,000 |
| Total loans | 1,670,631,000 | 1,656,901,000 | 1,667,584,000 | 1,652,307,000 |
| Allowance for loan losses | 22,965,000 | 22,801,000 | 22,537,000 | 22,302,000 |
| Securities available for sale | 32,330,000 | 32,810,000 | 39,763,000 | 56,480,000 |
| Securities held to maturity | 0 | 2,000,000 | 5,151,000 | 14,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,629,284,000 | 1,595,505,000 | 1,706,880,000 | 1,760,270,000 |
| Interest-bearing deposits | 1,163,761,000 | 1,105,106,000 | 1,186,185,000 | 1,230,681,000 |
| Noninterest-bearing deposits | 465,523,000 | 490,399,000 | 520,695,000 | 529,589,000 |
| Equity capital | 184,308,000 | 191,190,000 | 196,379,000 | 204,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 21,043,000 | 42,107,000 | 64,052,000 | 86,988,000 |
| Interest expense | 2,472,000 | 4,620,000 | 6,108,000 | 7,485,000 |
| Net interest income | 18,571,000 | 37,487,000 | 57,944,000 | 79,503,000 |
| Noninterest income | 2,939,000 | 5,408,000 | 7,311,000 | 9,130,000 |
| Noninterest expense | 10,147,000 | 20,976,000 | 31,224,000 | 42,193,000 |
| Provision for loan losses | 500,000 | 500,000 | 500,000 | 181,000 |
| Pretax income | 10,891,000 | 21,448,000 | 33,555,000 | 46,275,000 |
| Income tax | 2,869,000 | 5,314,000 | 8,453,000 | 11,786,000 |
| Net income | 8,022,000 | 16,134,000 | 25,102,000 | 34,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 182,683,000 | 189,270,000 | 194,280,000 | 202,133,000 |