Call reports 2006
UNITY BANK NATIONAL ASSOCIATION — 2006
What UNITY BANK NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 56,637,000 | 57,702,000 | 57,929,000 |
| Total loans | 30,764,000 | 31,013,000 | 29,938,000 |
| Allowance for loan losses | 470,000 | 474,000 | 479,000 |
| Securities available for sale | 21,257,000 | 20,601,000 | 21,992,000 |
| Securities held to maturity | 1,457,000 | 1,118,000 | 1,116,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 51,189,000 | 52,289,000 | 52,230,000 |
| Interest-bearing deposits | 44,621,000 | 45,999,000 | 45,540,000 |
| Noninterest-bearing deposits | 6,568,000 | 6,290,000 | 6,690,000 |
| Equity capital | 5,203,000 | 5,136,000 | 5,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Interest income | 808,000 | 1,644,000 | 2,515,000 |
| Interest expense | 299,000 | 615,000 | 964,000 |
| Net interest income | 509,000 | 1,029,000 | 1,551,000 |
| Noninterest income | 53,000 | 109,000 | 175,000 |
| Noninterest expense | 369,000 | 729,000 | 1,100,000 |
| Provision for loan losses | 0 | 7,000 | 12,000 |
| Pretax income | 193,000 | 402,000 | 614,000 |
| Income tax | 0 | 1,000 | 1,000 |
| Net income | 193,000 | 401,000 | 613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 5,504,000 | 5,475,000 | 5,567,000 |
| Total capital | 5,887,000 | 5,862,000 | 5,948,000 |
| Risk-weighted assets | 30,522,000 | 30,886,000 | 30,415,000 |