Unity bancorp inc /nj/ (UNTY)
Income statement / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Sep'10Jun'10
INTEREST INCOME
Federal funds sold and interest-bearing deposits

873

906

934

850

789

773

820

895

927

851

673

461

299

214

148

109

74

39

39

40

44

44

40

37

34

39

46

50

54

72

91

84

82

61

47

70

0

0

0

FHLB stock

378

385

379

398

444

462

477

461

411

370

322

304

286

245

211

180

163

155

156

160

162

165

167

167

162

159

163

173

182

189

181

177

168

183

212

215

0

0

0

Securities:
Taxable

1,962

1,926

1,865

1,867

1,890

1,907

1,929

1,976

2,030

2,029

1,993

1,937

1,826

1,698

1,606

1,499

1,435

1,459

1,543

1,655

1,844

2,183

2,324

2,454

2,522

2,443

2,502

2,605

2,718

2,823

0

0

0

-

-

-

-

-

-

Tax-exempt

97

104

110

112

115

117

120

132

146

159

172

175

186

204

230

258

274

284

293

303

322

355

382

410

445

460

457

456

451

473

0

0

0

-

-

-

-

-

-

Available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,630

3,880

0

0

0

Held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

894

987

0

0

0

Total securities

2,059

2,030

1,975

1,979

2,005

2,024

2,049

2,108

2,176

2,188

2,165

2,112

2,012

1,902

1,836

1,757

1,709

1,743

1,836

1,958

2,166

2,538

2,706

2,864

2,967

2,903

2,959

3,061

3,169

3,296

3,357

3,516

3,734

3,991

4,524

4,867

0

0

0

Loans:
SBA loans

3,770

3,780

3,854

3,961

4,150

4,338

4,387

4,379

4,134

3,805

3,632

3,412

3,314

3,181

3,044

2,918

2,735

2,693

2,585

2,525

2,563

2,467

2,381

2,331

2,466

2,660

2,920

3,215

3,283

3,430

3,646

4,008

4,353

4,665

4,895

4,952

0

0

0

SBA 504 loans

-

-

-

-

-

-

-

-

-

-

-

-

1,272

-

1,396

1,428

1,453

1,414

1,493

1,559

1,623

1,676

1,659

1,651

1,659

1,911

2,051

2,287

2,537

2,645

2,952

3,143

3,286

3,482

3,720

3,973

0

0

0

Commercial loans

38,441

37,577

37,060

36,377

35,229

33,886

32,610

31,037

29,710

28,150

27,841

26,768

25,746

25,256

23,311

22,551

21,967

21,357

20,784

20,332

19,794

19,329

18,949

18,410

17,922

17,322

16,908

16,834

16,800

16,982

16,900

17,004

17,369

17,492

17,758

17,829

0

0

0

Residential mortgage loans

22,693

22,483

21,873

21,070

20,057

18,837

17,711

16,544

15,606

14,650

13,792

13,294

12,647

12,205

11,956

11,629

11,408

11,048

10,570

10,086

9,422

8,898

8,390

7,924

7,521

7,013

6,637

6,407

6,340

6,445

6,473

6,667

6,931

7,107

7,310

7,444

0

0

0

Consumer loans

8,519

8,487

8,321

7,900

7,449

6,943

6,494

6,125

5,693

5,296

4,870

4,509

4,222

4,021

3,837

3,640

3,434

3,202

2,995

2,735

2,505

2,301

2,090

1,981

1,933

1,947

2,006

2,060

2,093

2,144

0

0

0

-

-

-

-

-

-

Consumer loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,542

2,650

2,758

0

0

0

Total loans

73,423

72,327

71,108

69,308

66,885

64,004

60,901

57,784

54,842

51,901

49,386

47,555

45,845

44,663

43,544

42,166

40,997

39,714

38,427

37,237

35,907

34,671

33,469

32,297

31,501

30,853

30,522

30,803

31,053

31,646

32,205

33,138

34,355

35,288

36,333

36,956

0

0

0

Total interest income

76,733

75,648

74,396

72,535

70,123

67,263

64,247

61,248

58,356

55,310

52,546

50,432

48,442

47,024

45,739

44,212

42,943

41,651

40,458

39,395

38,279

37,418

36,382

35,365

34,664

33,954

33,690

34,087

34,458

35,203

35,834

36,915

38,339

39,523

41,116

42,108

0

0

0

INTEREST EXPENSE
Interest-bearing demand deposits

1,864

1,795

1,678

1,570

1,387

1,202

996

834

736

665

629

590

553

537

511

490

469

438

429

419

425

430

420

412

393

383

400

418

451

486

519

548

568

571

567

618

0

0

0

Savings deposits

4,229

4,497

4,604

4,459

4,214

3,871

3,512

3,196

2,931

2,738

2,531

2,256

1,959

1,742

1,503

1,300

1,190

1,088

1,060

1,021

938

856

772

739

715

710

775

885

1,008

1,185

1,435

1,678

1,975

2,202

2,340

2,532

0

0

0

Time deposits

9,900

9,460

8,882

8,044

6,910

5,903

4,879

3,963

3,474

3,278

3,286

3,383

3,523

3,670

3,735

3,654

3,425

3,160

2,965

2,851

2,819

2,777

2,660

2,445

2,289

2,191

2,168

2,277

2,429

2,796

3,167

3,527

3,883

4,067

4,571

5,279

0

0

0

Borrowed funds and subordinated debentures

2,119

2,303

2,238

2,305

2,521

2,540

2,777

2,922

2,876

2,772

2,688

2,735

2,747

2,818

2,808

2,837

2,901

2,974

3,105

3,195

3,252

3,243

3,243

3,243

3,244

3,245

3,248

3,252

3,260

3,307

3,348

3,471

3,608

3,711

3,927

4,058

0

0

0

Total interest expense

18,112

18,055

17,402

16,378

15,032

13,516

12,164

10,915

10,017

9,453

9,134

8,964

8,782

8,767

8,557

8,281

7,985

7,660

7,559

7,486

7,434

7,306

7,095

6,839

6,641

6,529

6,591

6,832

7,148

7,774

0

0

0

-

-

-

-

-

-

Total interest expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

11,405

12,487

0

0

0

Net interest income

58,621

57,593

56,994

56,157

55,091

53,747

52,083

50,333

48,339

45,857

43,412

41,468

39,660

38,257

37,182

35,931

34,958

33,991

32,899

31,909

30,845

30,112

29,287

28,526

28,023

27,425

27,099

27,255

27,310

27,429

27,365

27,691

28,305

28,972

29,711

29,621

0

0

0

Provision for Loan and Lease Losses

3,100

2,100

2,100

1,850

2,050

2,050

2,050

2,050

1,900

1,650

1,350

1,270

1,270

1,220

1,120

900

500

500

1,250

1,600

2,150

2,550

2,500

2,550

2,300

2,350

2,350

2,750

3,450

4,000

4,350

4,750

5,500

6,800

7,150

7,250

0

0

0

Net interest income after provision for loan losses

55,521

55,493

54,894

54,307

53,041

51,697

50,033

48,283

46,439

44,207

42,062

40,198

38,390

37,037

36,062

35,031

34,458

33,491

31,649

30,309

28,695

27,562

26,787

25,976

25,723

25,075

24,749

24,505

23,860

23,429

23,015

22,941

22,805

22,172

22,561

22,371

0

0

0

NONINTEREST INCOME
Branch fee income

1,451

1,502

1,532

1,516

1,557

1,519

1,461

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Branch fee income

-

-

-

-

-

-

-

-

-

-

-

1,325

1,267

-

1,342

1,420

1,507

1,520

1,480

1,469

1,438

1,469

1,519

1,529

1,535

1,505

1,490

1,475

1,489

1,528

1,521

1,512

1,487

1,445

1,414

1,371

0

0

0

Service and loan fee income

1,899

1,965

2,223

2,166

2,008

2,130

2,068

2,051

2,152

2,100

1,696

1,522

1,277

1,020

1,724

1,756

1,955

1,996

1,456

1,442

1,261

1,260

1,268

1,327

1,361

1,370

1,271

1,286

1,254

1,252

1,149

996

1,093

1,034

1,091

1,123

0

0

0

Gain on sale of S B A loans held for sale, net

1,066

909

852

1,105

1,449

1,680

1,650

1,782

1,679

1,617

1,864

2,118

2,276

2,099

2,117

1,786

1,149

1,204

1,013

1,000

1,255

975

654

639

470

628

869

635

772

688

540

832

1,008

962

1,117

926

0

0

0

Gain on sale of mortgage loans, net

2,791

2,090

1,802

1,854

1,645

1,719

1,784

1,579

1,422

1,530

1,892

2,109

2,438

2,621

1,634

1,951

2,045

1,674

2,280

1,617

1,118

1,139

1,128

1,179

1,538

1,650

2,086

2,434

2,340

2,274

1,971

1,559

1,193

951

753

615

0

0

0

Bank Owned Life Insurance Income

610

588

601

927

955

975

991

638

552

469

382

368

372

378

380

378

380

380

251

556

557

559

694

394

373

347

321

295

293

296

294

294

295

295

300

304

0

0

0

Net security (losses) gains

103

373

23

7

-84

-199

47

0

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net security gains (losses)

-

-

-

-

-

-

-

-

-

-

-

265

330

-

0

0

0

-

0

0

-

433

400

434

274

390

427

400

575

573

465

724

402

303

387

125

0

0

0

Gain on repurchase of subordinated debt

-

-

-

-

-

-

-

-

-

-

-

-

-

2,264

0

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other income

1,376

1,346

2,064

1,291

1,237

1,207

1,174

1,097

1,117

1,108

1,106

1,064

1,024

985

960

979

946

927

906

880

842

844

827

785

754

714

677

740

725

727

695

598

643

671

754

868

0

0

0

Total noninterest income

10,062

9,539

9,097

8,866

8,767

9,031

9,114

8,643

8,352

8,270

8,606

8,771

8,984

11,060

10,607

10,709

10,368

7,729

7,469

7,047

6,794

6,679

6,490

6,287

6,305

6,604

7,141

7,265

7,448

7,338

6,635

6,515

6,121

5,661

5,816

5,332

0

0

0

NONINTEREST EXPENSE
Compensation and benefits

21,260

20,666

20,229

20,580

20,130

20,119

19,729

18,293

17,856

17,117

16,484

16,088

15,498

14,952

14,658

14,600

14,372

14,295

13,964

13,364

13,005

12,750

12,478

12,248

12,292

12,251

12,380

12,587

12,554

12,560

12,406

12,159

11,906

11,781

11,841

11,719

0

0

0

Occupancy

2,580

2,650

2,679

2,703

2,743

2,739

2,649

2,574

2,471

2,381

2,408

2,419

2,342

2,360

2,386

2,373

2,461

2,515

2,467

2,473

2,491

2,478

2,534

2,528

2,536

2,571

2,602

2,694

2,807

2,722

2,658

2,583

2,670

2,781

2,786

2,779

0

0

0

Processing and communications

2,916

2,924

2,929

2,889

2,815

2,788

2,731

2,678

2,636

2,551

2,540

2,577

2,588

2,628

2,600

2,538

2,509

2,461

2,456

2,492

2,475

2,461

2,434

2,365

2,330

2,309

2,270

2,216

2,207

2,180

2,142

2,147

2,131

2,104

2,122

2,128

0

0

0

Furniture and equipment

2,890

2,894

2,704

2,579

2,471

2,348

2,274

2,201

2,104

2,079

1,990

1,909

1,791

1,700

1,702

1,663

1,690

1,643

1,585

1,569

1,526

1,510

1,481

1,478

1,470

1,478

1,505

1,499

1,483

1,480

1,434

1,450

1,505

1,527

1,618

1,681

0

0

0

Professional services

1,105

1,061

1,091

1,087

971

934

980

957

1,047

1,022

990

959

947

976

923

958

961

942

860

768

773

748

811

862

849

828

826

812

789

789

814

824

805

817

829

822

0

0

0

Loan collection and OREO expenses

0

-

0

-

0

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan collection and OREO (recoveries) expenses

-

-

-

-244

-

-

-

96

128

-

880

861

923

654

762

932

992

1,141

857

817

831

780

798

761

815

822

822

816

679

682

772

825

935

979

932

940

0

0

0

Other loan expenses

315

272

273

235

221

208

175

171

136

186

179

151

131

152

0

0

0

-

189

245

273

485

507

610

578

458

450

312

486

483

690

1,145

1,131

1,229

1,418

1,084

0

0

0

Deposit insurance

222

301

490

681

763

782

763

728

656

546

596

608

629

713

666

661

646

669

658

661

682

677

688

687

695

666

656

653

642

664

615

513

627

775

994

1,254

0

0

0

Advertising

1,300

1,358

1,416

1,452

1,440

1,411

1,372

1,301

1,262

1,179

1,105

1,110

1,090

1,095

1,150

1,049

1,089

1,030

997

1,085

1,029

998

957

884

778

747

729

692

813

839

846

852

755

727

640

694

0

0

0

Director fees

710

673

667

671

672

671

643

618

602

637

640

631

621

559

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other expenses

2,103

1,877

1,822

1,778

1,780

1,782

1,815

1,918

1,900

1,883

1,906

1,844

1,904

1,842

1,471

1,548

1,596

1,719

2,018

1,966

1,847

1,801

1,817

1,776

1,786

1,867

2,030

2,053

2,004

1,898

1,797

1,778

1,854

1,798

1,730

1,748

0

0

0

Total noninterest expense

35,562

34,717

34,266

34,338

33,705

33,421

32,782

31,535

30,798

30,044

29,718

29,157

28,464

27,631

27,174

27,033

26,957

26,852

26,051

25,440

24,932

24,688

24,505

24,199

24,129

23,997

24,270

24,334

24,464

24,297

24,174

24,276

24,319

24,518

24,910

24,849

0

0

0

Income before provision for income taxes

30,021

30,315

29,725

28,835

28,103

27,307

26,365

25,391

23,993

22,433

20,950

19,812

18,910

20,466

19,495

18,707

17,869

14,368

13,067

11,916

10,557

9,553

8,772

8,064

7,899

7,682

7,620

7,436

6,844

6,470

0

0

0

-

-

-

-

-

-

Income before provision for income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,315

3,467

2,854

0

0

0

Income Tax Expense (Benefit)

6,762

6,662

6,348

5,948

5,653

5,388

7,794

8,508

9,063

9,540

7,397

6,996

6,714

7,257

6,807

6,488

6,046

4,811

4,448

3,962

3,503

3,145

2,799

2,675

2,691

2,567

2,604

2,526

2,305

2,226

0

0

0

-

-

-

-

-

-

Provision for income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

791

583

0

0

0

Net Income (Loss) Attributable to Parent

23,281

23,653

23,336

22,867

22,430

21,919

18,616

16,883

14,930

12,893

13,553

12,816

12,196

13,209

12,688

12,219

11,823

9,557

8,619

7,954

7,054

6,408

5,973

5,389

5,208

5,115

5,016

4,910

4,539

4,244

3,673

3,563

3,231

2,546

2,676

2,271

0

0

0

Preferred stock dividends and discount accretion

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

988

1,396

1,674

1,610

1,602

1,587

1,576

1,570

1,558

1,550

1,543

0

0

0

Income available to common shareholders

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,127

3,620

3,236

2,929

2,642

2,086

1,987

1,661

988

1,126

728

0

0

0

Net income per common share - Basic (in dollars per share)

0.49

0.56

0.55

0.54

0.53

0.54

0.51

0.50

0.49

0.23

0.36

0.33

0.30

0.33

0.32

0.30

0.45

0.23

0.28

0.29

0.23

0.21

0.24

0.20

0.17

0.16

0.16

0.12

0.11

0.09

0.11

0.08

0.07

0.03

0.09

0.03

-0.02

0.05

0.04

Net income per common share - Diluted (in dollars per share)

0.49

0.55

0.54

0.53

0.52

0.54

0.50

0.49

0.48

0.23

0.35

0.32

0.30

0.32

0.32

0.30

0.44

0.24

0.27

0.28

0.23

0.20

0.24

0.20

0.17

0.17

0.15

0.11

0.10

0.10

0.10

0.07

0.07

0.03

0.09

0.03

-0.02

0.05

0.04

Weighted average common shares outstanding - Basic (in shares)

10,883

10,873

10,863

10,843

10,801

10,766

10,743

10,717

10,678

10,605

10,572

10,546

10,509

9,703

9,339

9,318

9,304

10,956

9,270

8,425

8,417

8,386

7,847

7,605

7,586

7,561

7,545

7,544

7,538

7,513

7,473

7,462

7,460

7,429

7,413

7,271

7,219

7,176

7,156

Weighted average common shares outstanding - Diluted (in shares)

11,037

11,099

11,036

11,026

10,955

10,960

10,936

10,915

10,853

10,795

10,761

10,735

10,705

9,774

9,496

9,468

9,550

11,101

9,389

8,524

8,514

8,490

7,946

7,690

7,654

7,662

7,822

7,911

7,845

7,818

7,782

7,784

7,792

8,230

7,781

7,710

7,219

7,467

7,475