Call reports 2004
UNITY BANK NATIONAL ASSOCIATION — 2004
What UNITY BANK NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,456,000 | 50,256,000 | 50,305,000 | 51,095,000 |
| Total loans | 26,975,000 | 29,221,000 | 29,726,000 | 29,930,000 |
| Allowance for loan losses | 382,000 | 397,000 | 417,000 | 430,000 |
| Securities available for sale | 13,813,000 | 14,777,000 | 15,661,000 | 14,645,000 |
| Securities held to maturity | 2,526,000 | 2,265,000 | 2,155,000 | 2,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,101,000 | 45,205,000 | 44,839,000 | 45,859,000 |
| Interest-bearing deposits | 37,778,000 | 38,714,000 | 37,797,000 | 38,417,000 |
| Noninterest-bearing deposits | 6,323,000 | 6,491,000 | 7,041,000 | 7,442,000 |
| Equity capital | 5,188,000 | 4,868,000 | 5,063,000 | 5,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 602,000 | 1,242,000 | 1,901,000 | 2,572,000 |
| Interest expense | 139,000 | 277,000 | 422,000 | 573,000 |
| Net interest income | 463,000 | 965,000 | 1,479,000 | 1,999,000 |
| Noninterest income | 59,000 | 106,000 | 151,000 | 201,000 |
| Noninterest expense | 324,000 | 649,000 | 960,000 | 1,295,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 65,000 |
| Pretax income | 183,000 | 423,000 | 671,000 | 893,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 183,000 | 423,000 | 671,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,015,000 | 4,972,000 | 5,077,000 | 5,150,000 |
| Total capital | 5,344,000 | 5,318,000 | 5,424,000 | 5,503,000 |
| Risk-weighted assets | 26,303,000 | 27,650,000 | 27,686,000 | 28,194,000 |