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Income Statement
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Balance Sheet
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Income Overview
Net Income
$14,390K
EPS
$1.41
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-09-30
2025-06-30
2025-03-31
2024-12-31
Interest-bearing deposits
472
487
332
338*
Fhlb stock
121
130
182
273*
Taxable
1,735
1,735
1,786
1,833*
Tax-exempt
18
17
18
19*
Total securities
1,753
1,752
1,804
1,852*
Sba loans
964
856
929
1,214*
Commercial loans
27,197
25,736
24,260
21,642*
Sba ppp loans
-
-
5
5*
Residential mortgage loans
10,749
10,390
9,947
9,311*
Consumer loans
1,469
1,491
1,346
1,368*
Residential construction loans
1,636
1,758
1,996
2,465*
Total loans
42,015
40,231
38,483
36,003*
Total interest income
44,361
42,600
40,801
38,465*
Interest-bearing demand deposits
1,998
1,898
1,622
1,458*
Savings deposits
3,177
2,718
2,593
2,575*
Brokered deposits
2,003
1,786
1,787
2,082*
Time deposits
6,247
6,560
6,415
4,892*
Borrowed funds and subordinated debentures
1,080
1,081
1,133
2,236*
Total interest expense
14,505
14,043
13,550
13,242*
Net interest income
29,856
28,557
27,251
25,223*
Provision for credit losses, loans
1,409
1,725
1,358
465*
(release) provision for credit gaines, off-balance sheet
-80
136
-41
-95*
Provision for credit gaines, afs securities
-
-
-
-397*
(release) provision for credit losses, securities
-787
-2,036
-
-
Net interest income after provision for credit losses
29,314
28,732
25,934
25,250*
Noninterest income-Branch Fee Income
450
-
-
-
Noninterest income-Service And Loan Fee Income
607
-
-
-
Gain on sale of sba loans held for sale, net
238
163
139
98*
Gain on sale of mortgage loans, net
582
435
168
266*
Noninterest income-Branch Fee Income
-
465
-
-
Boli income
211
183
151
58*
Noninterest income
-
-
1,311
697*
Noninterest income-Service And Loan Fee Income
-
536
-
-
Net security losss
475
3,600
-49
-192*
Other income
404
433
381
290*
Total noninterest income
2,967
5,815
2,101
1,215*
Compensation and benefits
8,430
8,160
7,902
8,072*
Processing and communications
1,150
980
986
911*
Occupancy
838
809
880
790*
Furniture and equipment
838
787
746
707*
Professional services
405
350
364
587*
Advertising
456
456
391
403*
Loan related expenses
151
265
46
277*
Deposit insurance
320
313
241
251*
Director fees
263
265
495
262*
Other expenses
564
634
560
495*
Total noninterest expense
13,415
13,019
12,611
12,753*
Income before provision for income taxes
18,866
21,528
15,424
13,712*
Provision for income taxes
4,476
5,037
3,826
2,800*
Net income
14,390
16,491
11,598
10,912
Basic EPS
1.43
1.64
1.15
1.08
Diluted EPS
1.41
1.61
1.13
1.058
Basic Average Shares
10,036,000
10,033,000
10,054,000
10,099,000
Diluted Average Shares
10,233,000
10,212,000
10,247,000
10,309,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Commercial loans
$27,197K
(22.05%↑ Y/Y)
Residential mortgage loans
$10,749K
(11.31%↑ Y/Y)
Residential construction
loans
$1,636K
(-26.80%↓ Y/Y)
Consumer loans
$1,469K
(2.30%↑ Y/Y)
Sba loans
$964K
(-16.39%↓ Y/Y)
Taxable
$1,735K
(-8.88%↓ Y/Y)
Tax-exempt
$18K
(5.88%↑ Y/Y)
Total loans
$42,015K
(14.26%↑ Y/Y)
Total securities
$1,753K
(-8.75%↓ Y/Y)
Interest-bearing deposits
$472K
(-32.09%↓ Y/Y)
Fhlb stock
$121K
(-26.22%↓ Y/Y)
Total interest income
$44,361K
(12.16%↑ Y/Y)
Net interest income
$29,856K
(20.12%↑ Y/Y)
Noninterest income-Service
And Loan Fee Income
$607K
Gain on sale of
mortgage loans, net
$582K
(6.01%↑ Y/Y)
Net security losss
$475K
(-4.81%↓ Y/Y)
Noninterest income-Branch
Fee Income
$450K
Other income
$404K
(7.16%↑ Y/Y)
Gain on sale of sba
loans held for sale,...
$238K
(240.00%↑ Y/Y)
Boli income
$211K
(56.30%↑ Y/Y)
(release) provision for
credit losses,...
-$787K
(release) provision for
credit gaines,...
-$80K
(-256.86%↓ Y/Y)
Total interest
expense
$14,505K
(-1.29%↓ Y/Y)
Net interest income
after provision for...
$29,314K
(23.29%↑ Y/Y)
Total noninterest
income
$2,967K
(5.85%↑ Y/Y)
Provision for credit
losses, loans
$1,409K
(36.93%↑ Y/Y)
Time deposits
$6,247K
(0.99%↑ Y/Y)
Savings deposits
$3,177K
(-11.87%↓ Y/Y)
Brokered deposits
$2,003K
(-1.77%↓ Y/Y)
Interest-bearing demand deposits
$1,998K
(10.88%↑ Y/Y)
Borrowed funds and
subordinated debentures
$1,080K
(1.69%↑ Y/Y)
Income before
provision for income taxes
$18,866K
(29.51%↑ Y/Y)
Total noninterest
expense
$13,415K
(11.68%↑ Y/Y)
Net income
$14,390K
(31.96%↑ Y/Y)
Provision for income taxes
$4,476K
(22.23%↑ Y/Y)
Compensation and benefits
$8,430K
(15.89%↑ Y/Y)
Processing and
communications
$1,150K
(32.49%↑ Y/Y)
Furniture and equipment
$838K
(4.36%↑ Y/Y)
Occupancy
$838K
(7.30%↑ Y/Y)
Other expenses
$564K
(-29.06%↓ Y/Y)
Advertising
$456K
Professional services
$405K
(24.23%↑ Y/Y)
Deposit insurance
$320K
(30.61%↑ Y/Y)
Director fees
$263K
(13.36%↑ Y/Y)
Loan related
expenses
$151K
(-32.29%↓ Y/Y)
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UNITY BANCORP INC NJ (UNTY)
UNITY BANCORP INC NJ (UNTY)