Call reports 2006
UNITY NATIONAL BANK — 2006
What UNITY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 238,256,000 | 249,872,000 | 257,513,000 | 266,449,000 |
| Total loans | 201,176,000 | 205,402,000 | 215,172,000 | 224,117,000 |
| Allowance for loan losses | 2,540,000 | 2,616,000 | 2,688,000 | 2,791,000 |
| Securities available for sale | 19,814,000 | 20,929,000 | 19,480,000 | 19,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,964,000 | 203,058,000 | 205,697,000 | 210,818,000 |
| Interest-bearing deposits | 178,789,000 | 185,689,000 | 186,016,000 | 192,479,000 |
| Noninterest-bearing deposits | 17,175,000 | 17,369,000 | 19,681,000 | 18,339,000 |
| Equity capital | 17,794,000 | 18,222,000 | 18,979,000 | 19,641,000 |
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 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,222,000 | 8,868,000 | 13,778,000 | 18,934,000 |
| Interest expense | 1,875,000 | 3,942,000 | 6,257,000 | 8,717,000 |
| Net interest income | 2,347,000 | 4,926,000 | 7,521,000 | 10,217,000 |
| Noninterest income | 350,000 | 712,000 | 1,107,000 | 1,619,000 |
| Noninterest expense | 1,862,000 | 3,857,000 | 5,882,000 | 8,017,000 |
| Provision for loan losses | 101,000 | 191,000 | 284,000 | 462,000 |
| Pretax income | 734,000 | 1,590,000 | 2,441,000 | 3,336,000 |
| Income tax | 242,000 | 551,000 | 818,000 | 1,117,000 |
| Net income | 492,000 | 1,039,000 | 1,623,000 | 2,219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,988,000 | 18,535,000 | 19,119,000 | 19,715,000 |
| Total capital | 20,469,000 | 21,099,000 | 21,786,000 | 22,480,000 |
| Risk-weighted assets | 198,409,000 | 205,085,000 | 213,373,000 | 221,170,000 |