| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Interest-bearing deposits | 472 | 487 | 332 | 695 |
| Fhlb stock | 121 | 130 | 182 | 164 |
| Taxable | 1,735 | 1,735 | 1,786 | 1,904 |
| Tax-exempt | 18 | 17 | 18 | 17 |
| Sba ppp loans | - | - | 5 | 6 |
| Total securities | 1,753 | 1,752 | 1,804 | 1,921 |
| Sba loans | 964 | 856 | 929 | 1,153 |
| Commercial loans | 27,197 | 25,736 | 24,260 | 22,283 |
| Residential mortgage loans | 10,749 | 10,390 | 9,947 | 9,657 |
| Consumer loans | 1,469 | 1,491 | 1,346 | 1,436 |
| Residential construction loans | 1,636 | 1,758 | 1,996 | 2,235 |
| Total loans | 42,015 | 40,231 | 38,483 | 36,770 |
| Total interest income | 44,361 | 42,600 | 40,801 | 39,550 |
| Interest-bearing demand deposits | 1,998 | 1,898 | 1,622 | 1,802 |
| Savings deposits | 3,177 | 2,718 | 2,593 | 3,605 |
| Brokered deposits | 2,003 | 1,786 | 1,787 | 2,039 |
| Time deposits | 6,247 | 6,560 | 6,415 | 6,186 |
| Borrowed funds and subordinated debentures | 1,080 | 1,081 | 1,133 | 1,062 |
| Total interest expense | 14,505 | 14,043 | 13,550 | 14,694 |
| Net interest income | 29,856 | 28,557 | 27,251 | 24,856 |
| Provision for credit losses, loans | 1,409 | 1,725 | 1,358 | 1,029 |
| (release) provision for credit losses, off-balance sheet | -80 | 136 | -41 | 51 |
| (release) provision for credit losses, securities | -787 | -2,036 | - | - |
| Net interest income after provision for credit losses | 29,314 | 28,732 | 25,934 | 23,776 |
| 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 | 70 |
| Gain on sale of mortgage loans, net | 582 | 435 | 168 | 549 |
| Noninterest income-Branch Fee Income | - | 465 | - | - |
| Boli income | 211 | 183 | 151 | 135 |
| Noninterest income | - | - | 1,311 | 1,173 |
| Noninterest income-Service And Loan Fee Income | - | 536 | - | - |
| Net security gains | 475 | 3,600 | -49 | 499 |
| Other income | 404 | 433 | 381 | 377 |
| Total noninterest income | 2,967 | 5,815 | 2,101 | 2,803 |
| Compensation and benefits | 8,430 | 8,160 | 7,902 | 7,274 |
| Processing and communications | 1,150 | 980 | 986 | 868 |
| Occupancy | 838 | 809 | 880 | 781 |
| Furniture and equipment | 838 | 787 | 746 | 803 |
| Professional services | 405 | 350 | 364 | 326 |
| Advertising | 456 | 456 | 391 | - |
| Loan related expenses | 151 | 265 | 46 | 223 |
| The net (income) expense recognized in the period for promotion, public relations, and brand or product advertising | - | - | - | 465 |
| Deposit insurance | 320 | 313 | 241 | 245 |
| Director fees | 263 | 265 | 495 | 232 |
| Other expenses | 564 | 634 | 560 | 795 |
| Total noninterest expense | 13,415 | 13,019 | 12,611 | 12,012 |
| Income before provision for income taxes | 18,866 | 21,528 | 15,424 | 14,567 |
| Provision for income taxes | 4,476 | 5,037 | 3,826 | 3,662 |
| Net income | 14,390 | 16,491 | 11,598 | 10,905 |
| Earnings per share, basic | 1.43 | 1.64 | 1.15 | 1.09 |
| Earnings per share, diluted | 1.41 | 1.61 | 1.13 | 1.07 |
| Weighted average number of shares outstanding, basic | 10,036,000 | 10,033,000 | 10,054,000 | 9,978,000 |
| Weighted average number of shares outstanding, diluted | 10,233,000 | 10,212,000 | 10,247,000 | 10,148,000 |
UNITY BANCORP INC NJ (UNTY)
UNITY BANCORP INC NJ (UNTY)