Call reports 2005
UNITY NATIONAL BANK — 2005
What UNITY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 212,078,000 | 219,093,000 | 230,920,000 | 233,198,000 |
| Total loans | 169,806,000 | 176,061,000 | 188,121,000 | 195,599,000 |
| Allowance for loan losses | 2,123,000 | 2,201,000 | 2,344,000 | 2,445,000 |
| Securities available for sale | 17,660,000 | 22,570,000 | 22,250,000 | 18,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,671,000 | 176,677,000 | 187,889,000 | 185,566,000 |
| Interest-bearing deposits | 164,063,000 | 160,532,000 | 170,884,000 | 169,185,000 |
| Noninterest-bearing deposits | 15,608,000 | 16,145,000 | 17,005,000 | 16,381,000 |
| Equity capital | 15,886,000 | 16,415,000 | 16,909,000 | 17,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,166,000 | 6,578,000 | 10,293,000 | 14,429,000 |
| Interest expense | 1,229,000 | 2,603,000 | 4,179,000 | 5,919,000 |
| Net interest income | 1,937,000 | 3,975,000 | 6,114,000 | 8,510,000 |
| Noninterest income | 275,000 | 576,000 | 927,000 | 1,291,000 |
| Noninterest expense | 1,575,000 | 3,206,000 | 4,728,000 | 6,446,000 |
| Provision for loan losses | -152,000 | -69,000 | 105,000 | 221,000 |
| Pretax income | 789,000 | 1,414,000 | 2,208,000 | 3,139,000 |
| Income tax | 269,000 | 459,000 | 717,000 | 1,038,000 |
| Net income | 520,000 | 955,000 | 1,491,000 | 2,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,915,000 | 16,349,000 | 16,886,000 | 17,495,000 |
| Total capital | 18,038,000 | 18,550,000 | 19,200,000 | 19,897,000 |
| Risk-weighted assets | 172,058,000 | 178,345,000 | 185,116,000 | 192,143,000 |