Call reports 2002
UNITY BANK NATIONAL ASSOCIATION — 2002
What UNITY BANK NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,739,000 | 48,063,000 | 47,424,000 | 46,340,000 |
| Total loans | 21,030,000 | 22,175,000 | 23,641,000 | 24,227,000 |
| Allowance for loan losses | 285,000 | 300,000 | 305,000 | 313,000 |
| Securities available for sale | 15,426,000 | 15,063,000 | 15,380,000 | 14,106,000 |
| Securities held to maturity | 5,517,000 | 5,459,000 | 5,435,000 | 4,727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,027,000 | 43,277,000 | 42,442,000 | 41,367,000 |
| Interest-bearing deposits | 35,689,000 | 37,680,000 | 36,140,000 | 35,343,000 |
| Noninterest-bearing deposits | 5,338,000 | 5,597,000 | 6,302,000 | 6,024,000 |
| Equity capital | 4,539,000 | 4,593,000 | 4,789,000 | 4,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 715,000 | 1,422,000 | 2,139,000 | 2,835,000 |
| Interest expense | 246,000 | 480,000 | 694,000 | 883,000 |
| Net interest income | 469,000 | 942,000 | 1,445,000 | 1,952,000 |
| Noninterest income | 43,000 | 87,000 | 131,000 | 187,000 |
| Noninterest expense | 278,000 | 560,000 | 851,000 | 1,155,000 |
| Provision for loan losses | 13,000 | 28,000 | 33,000 | 43,000 |
| Pretax income | 235,000 | 455,000 | 706,000 | 955,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 235,000 | 455,000 | 706,000 | 954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,250,000 | 4,286,000 | 4,407,000 | 4,474,000 |
| Total capital | 4,530,000 | 4,583,000 | 4,703,000 | 4,787,000 |
| Risk-weighted assets | 22,414,000 | 23,754,000 | 23,702,000 | 25,044,000 |