Call reports 2003
UNITY NATIONAL BANK — 2003
What UNITY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 141,522,000 | 148,347,000 | 155,412,000 | 159,668,000 |
| Total loans | 113,036,000 | 122,720,000 | 130,838,000 | 138,257,000 |
| Allowance for loan losses | 1,600,000 | 1,721,000 | 1,810,000 | 1,866,000 |
| Securities available for sale | 11,873,000 | 13,779,000 | 13,008,000 | 10,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,088,000 | 125,896,000 | 125,774,000 | 132,485,000 |
| Interest-bearing deposits | 114,687,000 | 116,006,000 | 112,867,000 | 118,341,000 |
| Noninterest-bearing deposits | 9,401,000 | 9,890,000 | 12,907,000 | 14,144,000 |
| Equity capital | 12,177,000 | 12,585,000 | 12,707,000 | 13,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,185,000 | 4,521,000 | 6,960,000 | 9,451,000 |
| Interest expense | 880,000 | 1,751,000 | 2,619,000 | 3,474,000 |
| Net interest income | 1,305,000 | 2,770,000 | 4,341,000 | 5,977,000 |
| Noninterest income | 276,000 | 549,000 | 820,000 | 1,042,000 |
| Noninterest expense | 1,111,000 | 2,188,000 | 3,346,000 | 4,499,000 |
| Provision for loan losses | 131,000 | 265,000 | 367,000 | 495,000 |
| Pretax income | 339,000 | 891,000 | 1,475,000 | 2,052,000 |
| Income tax | 122,000 | 321,000 | 531,000 | 679,000 |
| Net income | 217,000 | 570,000 | 944,000 | 1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,019,000 | 12,372,000 | 12,745,000 | 13,175,000 |
| Total capital | 13,419,000 | 13,887,000 | 14,388,000 | 14,893,000 |
| Risk-weighted assets | 111,318,000 | 121,029,000 | 131,255,000 | 137,278,000 |