Call reports 2022
UNITY BANK — 2022
What UNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,056,507,000 | 2,104,766,000 | 2,327,250,000 | 2,431,532,000 |
| Total loans | 1,703,926,000 | 1,804,129,000 | 1,944,444,000 | 2,109,392,000 |
| Allowance for loan losses | 22,168,000 | 22,858,000 | 23,861,000 | 25,196,000 |
| Securities available for sale | 77,878,000 | 91,489,000 | 89,689,000 | 93,473,000 |
| Securities held to maturity | 30,367,000 | 36,813,000 | 35,897,000 | 35,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,773,214,000 | 1,699,014,000 | 1,798,042,000 | 1,789,501,000 |
| Interest-bearing deposits | 1,230,567,000 | 1,187,742,000 | 1,299,695,000 | 1,293,870,000 |
| Noninterest-bearing deposits | 542,647,000 | 511,272,000 | 498,347,000 | 495,631,000 |
| Equity capital | 213,054,000 | 218,384,000 | 227,284,000 | 235,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 21,513,000 | 45,066,000 | 71,631,000 | 102,405,000 |
| Interest expense | 1,168,000 | 2,416,000 | 4,803,000 | 10,284,000 |
| Net interest income | 20,345,000 | 42,650,000 | 66,828,000 | 92,121,000 |
| Noninterest income | 2,337,000 | 5,020,000 | 6,301,000 | 7,406,000 |
| Noninterest expense | 10,851,000 | 21,949,000 | 32,486,000 | 44,273,000 |
| Provision for loan losses | -178,000 | 1,009,000 | 2,526,000 | 4,159,000 |
| Pretax income | 11,843,000 | 24,428,000 | 37,690,000 | 50,667,000 |
| Income tax | 2,842,000 | 6,165,000 | 9,614,000 | 13,185,000 |
| Net income | 9,001,000 | 18,263,000 | 28,076,000 | 37,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 210,438,000 | 219,061,000 | 228,397,000 | 237,124,000 |