Call reports 2004
UNITY NATIONAL BANK — 2004
What UNITY NATIONAL BANK 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 | 161,081,000 | 172,313,000 | 188,337,000 | 199,310,000 |
| Total loans | 138,518,000 | 147,778,000 | 162,235,000 | 167,333,000 |
| Allowance for loan losses | 1,870,000 | 1,995,000 | 2,190,000 | 2,259,000 |
| Securities available for sale | 10,636,000 | 12,383,000 | 12,820,000 | 13,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,831,000 | 137,136,000 | 153,313,000 | 163,786,000 |
| Interest-bearing deposits | 120,065,000 | 121,824,000 | 136,962,000 | 148,509,000 |
| Noninterest-bearing deposits | 14,766,000 | 15,312,000 | 16,351,000 | 15,277,000 |
| Equity capital | 13,771,000 | 13,829,000 | 14,963,000 | 15,471,000 |
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 | 2,486,000 | 5,091,000 | 7,889,000 | 10,945,000 |
| Interest expense | 840,000 | 1,676,000 | 2,642,000 | 3,771,000 |
| Net interest income | 1,646,000 | 3,415,000 | 5,247,000 | 7,174,000 |
| Noninterest income | 265,000 | 580,000 | 826,000 | 1,090,000 |
| Noninterest expense | 1,149,000 | 2,339,000 | 3,615,000 | 4,974,000 |
| Provision for loan losses | 66,000 | 253,000 | 617,000 | 732,000 |
| Pretax income | 696,000 | 1,403,000 | 1,841,000 | 2,558,000 |
| Income tax | 254,000 | 476,000 | 625,000 | 839,000 |
| Net income | 442,000 | 927,000 | 1,216,000 | 1,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,617,000 | 14,103,000 | 14,892,000 | 15,395,000 |
| Total capital | 15,366,000 | 15,945,000 | 16,908,000 | 17,520,000 |
| Risk-weighted assets | 139,760,000 | 147,192,000 | 161,131,000 | 169,898,000 |