Call reports 2008
UNITY NATIONAL BANK — 2008
What UNITY NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 314,100,000 | 324,161,000 | 316,163,000 | 313,256,000 |
| Total loans | 254,721,000 | 262,430,000 | 257,149,000 | 249,636,000 |
| Allowance for loan losses | 3,281,000 | 3,516,000 | 4,064,000 | 5,388,000 |
| Securities available for sale | 25,742,000 | 27,349,000 | 25,261,000 | 18,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,058,000 | 260,014,000 | 252,471,000 | 250,419,000 |
| Interest-bearing deposits | 234,927,000 | 243,111,000 | 231,635,000 | 235,753,000 |
| Noninterest-bearing deposits | 19,131,000 | 16,903,000 | 20,836,000 | 14,666,000 |
| Equity capital | 23,397,000 | 25,172,000 | 24,502,000 | 23,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,112,000 | 10,193,000 | 14,791,000 | 19,011,000 |
| Interest expense | 2,730,000 | 5,293,000 | 7,795,000 | 10,172,000 |
| Net interest income | 2,382,000 | 4,900,000 | 6,996,000 | 8,839,000 |
| Noninterest income | 458,000 | 856,000 | 1,210,000 | 1,253,000 |
| Noninterest expense | 2,221,000 | 4,642,000 | 6,801,000 | 9,151,000 |
| Provision for loan losses | 308,000 | 573,000 | 2,573,000 | 4,433,000 |
| Pretax income | 311,000 | 541,000 | -1,163,000 | -3,508,000 |
| Income tax | 106,000 | 184,000 | -620,000 | -1,505,000 |
| Net income | 205,000 | 357,000 | -543,000 | -2,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,276,000 | 25,431,000 | 24,534,000 | 23,052,000 |
| Total capital | 26,557,000 | 28,813,000 | 27,874,000 | 26,367,000 |
| Risk-weighted assets | 263,276,000 | 270,453,000 | 266,467,000 | 263,146,000 |