Call reports 2009
UNITY NATIONAL BANK — 2009
What UNITY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 299,811,000 | 298,370,000 | 297,870,000 | 300,590,000 |
| Total loans | 233,015,000 | 218,959,000 | 213,235,000 | 201,268,000 |
| Allowance for loan losses | 4,128,000 | 7,933,000 | 8,006,000 | 8,433,000 |
| Securities available for sale | 15,037,000 | 16,408,000 | 16,675,000 | 14,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,977,000 | 251,991,000 | 258,956,000 | 264,286,000 |
| Interest-bearing deposits | 228,887,000 | 237,875,000 | 244,487,000 | 250,491,000 |
| Noninterest-bearing deposits | 15,090,000 | 14,116,000 | 14,469,000 | 13,795,000 |
| Equity capital | 23,431,000 | 13,965,000 | 11,635,000 | 9,050,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,930,000 | 7,665,000 | 11,115,000 | 14,370,000 |
| Interest expense | 2,078,000 | 4,095,000 | 6,033,000 | 7,882,000 |
| Net interest income | 1,852,000 | 3,570,000 | 5,082,000 | 6,488,000 |
| Noninterest income | -12,000 | -10,000 | 26,000 | 516,000 |
| Noninterest expense | 2,198,000 | 4,760,000 | 7,140,000 | 10,520,000 |
| Provision for loan losses | 1,510,000 | 8,696,000 | 10,396,000 | 13,296,000 |
| Pretax income | -1,991,000 | -10,019,000 | -12,551,000 | -16,935,000 |
| Income tax | -782,000 | 681,000 | 681,000 | -1,189,000 |
| Net income | -1,209,000 | -10,700,000 | -13,232,000 | -15,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,026,000 | 13,952,000 | 11,445,000 | 8,932,000 |
| Total capital | 25,186,000 | 17,010,000 | 14,438,000 | 11,806,000 |
| Risk-weighted assets | 251,845,000 | 239,738,000 | 234,437,000 | 224,353,000 |