Call reports 2023
UNITY BANK — 2023
What UNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,464,640,000 | 2,540,614,000 | 2,550,511,000 | 2,567,603,000 |
| Total loans | 2,133,627,000 | 2,170,362,000 | 2,175,903,000 | 2,173,215,000 |
| Allowance for loan losses | 26,201,000 | 25,988,000 | 25,918,000 | 25,854,000 |
| Securities available for sale | 92,175,000 | 91,018,000 | 90,007,000 | 90,287,000 |
| Securities held to maturity | 35,824,000 | 35,890,000 | 35,956,000 | 36,122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,824,639,000 | 1,849,761,000 | 1,885,035,000 | 1,924,781,000 |
| Interest-bearing deposits | 1,373,863,000 | 1,410,308,000 | 1,459,475,000 | 1,504,506,000 |
| Noninterest-bearing deposits | 450,776,000 | 439,453,000 | 425,560,000 | 420,275,000 |
| Equity capital | 239,075,000 | 242,790,000 | 251,044,000 | 260,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 33,668,000 | 69,352,000 | 106,472,000 | 144,533,000 |
| Interest expense | 9,284,000 | 20,986,000 | 34,260,000 | 48,061,000 |
| Net interest income | 24,384,000 | 48,366,000 | 72,212,000 | 96,472,000 |
| Noninterest income | 1,330,000 | 3,217,000 | 5,151,000 | 6,941,000 |
| Noninterest expense | 11,738,000 | 23,998,000 | 36,399,000 | 48,352,000 |
| Provision for loan losses | 108,000 | 885,000 | 1,419,000 | 1,832,000 |
| Pretax income | 13,934,000 | 26,854,000 | 39,534,000 | 51,998,000 |
| Income tax | 3,631,000 | 7,105,000 | 10,208,000 | 13,374,000 |
| Net income | 10,303,000 | 19,749,000 | 29,326,000 | 38,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 240,621,000 | 244,690,000 | 253,343,000 | 261,584,000 |
| Total capital | — | — | — | 287,206,000 |
| Risk-weighted assets | — | — | — | 2,048,892,000 |