Call reports 2007
UNITY NATIONAL BANK — 2007
What UNITY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 284,254,000 | 303,185,000 | 307,684,000 | 302,026,000 |
| Total loans | 234,188,000 | 245,554,000 | 248,049,000 | 242,905,000 |
| Allowance for loan losses | 2,927,000 | 3,070,000 | 3,126,000 | 3,280,000 |
| Securities available for sale | 19,651,000 | 24,745,000 | 24,860,000 | 26,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,228,000 | 240,244,000 | 254,143,000 | 254,474,000 |
| Interest-bearing deposits | 208,097,000 | 215,840,000 | 236,299,000 | 236,796,000 |
| Noninterest-bearing deposits | 20,131,000 | 24,404,000 | 17,844,000 | 17,678,000 |
| Equity capital | 20,772,000 | 21,786,000 | 23,173,000 | 23,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,391,000 | 11,105,000 | 17,029,000 | 22,821,000 |
| Interest expense | 2,601,000 | 5,401,000 | 8,530,000 | 11,542,000 |
| Net interest income | 2,790,000 | 5,704,000 | 8,499,000 | 11,279,000 |
| Noninterest income | 419,000 | 943,000 | 1,575,000 | 2,116,000 |
| Noninterest expense | 2,149,000 | 4,236,000 | 6,279,000 | 8,422,000 |
| Provision for loan losses | 154,000 | 358,000 | 483,000 | 738,000 |
| Pretax income | 906,000 | 2,053,000 | 3,312,000 | 4,235,000 |
| Income tax | 308,000 | 698,000 | 1,131,000 | 1,425,000 |
| Net income | 598,000 | 1,355,000 | 2,181,000 | 2,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,824,000 | 22,093,000 | 23,227,000 | 23,568,000 |
| Total capital | 23,737,000 | 25,163,000 | 26,353,000 | 26,703,000 |
| Risk-weighted assets | 233,061,000 | 249,903,000 | 252,881,000 | 250,622,000 |