ex99_1.htm

UNITY’S Accomplishments!

® Despite this challenging environment, Unity’s performance in
2009 included the following accomplishments:

v Total assets increased 3.6 percent

v Total deposits increased 7.2 percent

v Further improvement in sales culture

v Continued improvements in infrastructure

v Excluding FDIC insurance increase,
expenses remained flat

How the Economy Affected UNITY

® Unity’s 2009 results were affected by:

v Other-than-temporary impairment charges
(“OTTI”) of $2.6 million in 2009

v Higher provision for loan losses
due to the economy

v Increase in past due accounts

v Increase in collection costs

v Increase in FDIC insurance

v Weak loan demand

UNITY’S Strategic Direction

® One sales process with common goals

® Relationship-based business model

® New lending footprint

® Improve net interest margin

® Stabilize credit quality

® Effective cost control

UNITY’S Branch Network

New Jersey

® Hunterdon County

v Clinton

v Flemington

v Whitehouse

® Middlesex County

v Colonia

v Edison

v Highland Park

v Middlesex

v South Plainfield

® Somerset County

v North Plainfield

® Union/Essex County

v Linden

v Scotch Plains

v Springfield

v Union

® Warren County

v Phillipsburg

v Washington (In Progress)

Pennsylvania

® Northampton County

v Forks Township

v William Penn

UNITY’S Recent and Future Highlights

® Brought items processing in-house - $175k
per year

® ATM - a surcharge free network

® E-statements (“Go Green!”)

® Enhancements to electronic banking

® VISA gift cards

® Mobile banking

® Foreign currency exchange

® Online residential mortgage applications

UNITY’S Marketing Initiatives

Introduced Integrated
Multimedia Campaign

Landing Page

764 average daily hits

Google AdWords

747 Clicks & 758,005 impressions
in our geo-targeted areas

Newspaper Ads

Across footprint

Web Ads

NJ.com

LehighValleyLive.com

HAWK microsite

99.9 The HAWK Radio

Billboards

Statistics

121 New Checking Accounts
Opened; 31.93% increase over
previous 60 day period

$2,643,869 increase in Initial
Deposits; 56.76% increase over
previous 60 day period

UNITY’S Marketing Initiatives

UNITY’S New Marketing Initiative

	For the 3 months ended 3/31/2010	For the 12 months ended 12/31/2009
	Unity	Unity	All FDIC-Insured Commercial Banks
Return on Average Assets	0.34%	(0.12)%	0.09%
Return on Average Equity	3.09%	(5.29)%	0.85%
Net Interest Margin	3.57%	3.22%	3.50%
Total Nonperforming Assets to Total Assets	3.37%	2.90%	3.36%
Net Charge-offs to Average Loans	0.80%	0.67%	2.57%

- More than one in four institutions (29.5 percent) reported negative net

income for the year.

Income Statement
(dollars in thousands)

Net Interest Margin

Prime Rate

5.25%

7.25%

8.25%

7.25%

3.25%

Total Asset Growth
(dollars in millions)

Ø In 2009, Unity grew total assets
by 3.6% versus a decline of 3.8% for
all FDIC-Insured Commercial Banks.

Total Loan Growth
(dollars in millions)

Ø In 2009, Unity’s total loans
declined 4.2% versus a 5.0%
decline for all FDIC-Insured
Commercial Banks.

Nonperforming Loans by Category
(dollars in thousands)

	12/31/2009		12/31/2008
Category	$ Value	# of Loans	$ Value	# of Loans
SBA 7(a)	6,559	75	4,228	49
SBA 504	5,575	2	4,600	3
Commercial	7,397	21	5,247	8
Residential Mortgage	5,578	13	1,808	7
Consumer	387	6	237	8
Total	25,496	117	16,120	75
Selected Ratios	12/31/2009		12/31/2008
Net Charge-offs to Average Loans	0.67%		0.40%
Nonperforming Loans to Total Loans	3.88%		2.35%
Allowance for Loan Losses to Total Loans	2.11%		1.51%