0000920427-14-000058.txt : 20140724 0000920427-14-000058.hdr.sgml : 20140724 20140724082902 ACCESSION NUMBER: 0000920427-14-000058 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 20140724 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20140724 DATE AS OF CHANGE: 20140724 FILER: COMPANY DATA: COMPANY CONFORMED NAME: UNITY BANCORP INC /NJ/ CENTRAL INDEX KEY: 0000920427 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 223282551 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-12431 FILM NUMBER: 14990161 BUSINESS ADDRESS: STREET 1: 64 OLD HIGHWAY 22 CITY: CLINTON STATE: NJ ZIP: 08809 BUSINESS PHONE: 9087307630 MAIL ADDRESS: STREET 1: 64 OLD HIGHWAY 22 CITY: CLINTON STATE: NJ ZIP: 08809 FORMER COMPANY: FORMER CONFORMED NAME: UNITY BANCORP INC /DE/ DATE OF NAME CHANGE: 19940316 8-K 1 unty-20140724x8k.htm 8-K 257d43da7ec5430

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

__________________________________

 

FORM 8-K

 

CURRENT REPORT PURSUANT

TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

 

July 24, 2014

Date of Report (Date of earliest event reported)

__________________________________

bancorp.jpg

UNITY BANCORP, INC.

(Exact Name of Registrant as Specified in its Charter)

 

New Jersey

(State or Other Jurisdiction of Incorporation)

 

1-12431

(Commission File Number)

 

22-3282551

(IRS Employer Identification No.)

 

64 Old Highway 22

Clinton, NJ 08809

(Address of Principal Executive Office)

 

(908) 730-7630

(Registrant's Telephone Number, Including Area Code)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

o

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

o

Soliciting material pursuant to Rule 14a12 under the Exchange Act (17 CFR 240.14a-12)

 

o

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

o

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

 

Item 2.02

Results of Operation and Financial Condition

 

 

 

The Registrant issued a press release on July 24, 2014 announcing results for the three and six months ended June 30, 2014, the full text of which is incorporated by reference to this Item.

 

 

Item 9.01

Financial Statements and Exhibits

 

 

(d) Exhibits   

 

 

 

Exhibit 99.1

Press release issued by the Registrant on July  24, 2014   

 

 

 

SIGNATURES

 

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.

 

 

 

UNITY BANCORP, INC.

(Registrant)

 

 

Date: July  24, 2014

By: /s/     Alan J. Bedner     

Alan J. Bedner

EVP and Chief Financial Officer

 

 

 

 

EXHIBIT INDEX

 

 

 

 

EXHIBIT #

DESCRIPTION

 

 

99.1   

Press release issued by the Registrant on July  24, 2014

 

 

 

EX-99.1 2 unty-20140724ex991e02718.htm EX-99.1 UNTY - 8K Exhibit 991 - Q2 Earnings

 

unty-20130131x8kg1.jpg

Unity Bancorp, Inc.

64 Old Highway 22

Clinton, NJ 08809

800-618-BANK

www.unitybank.com

 

NewsNewsNewsNewsNews

 

For Immediate Release:

 

July 24, 2014

News Media & Financial Analyst Contact:

Alan J. Bedner, EVP

Chief Financial Officer

(908) 713-4308

 

Unity Bancorp Reports 73.2% Increase in Quarterly Earnings and

68.2% Increase in Six Month Earnings

 

Clinton, NJ - Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, reported net income available to common shareholders of $1.5 million, or $0.20 per diluted share, for the three months ended June 30, 2014, a 73.2% increase compared to net income available to common shareholders of $882 thousand, or $0.11 per diluted share, for the same period a year ago.  Return on average assets and average common equity for the quarter were 0.68% and 10.31%, respectively, compared to 0.67% and 6.11% for the same period a year ago. 

 

Second quarter highlights include:

 

·

Loan growth of 13.9% since June 30, 2013 – 16.2% growth in commercial loans and 26.8% growth in residential mortgage loans.

·

Deposit growth of 15.9% since June 30, 2013 – 13.1% growth in noninterest bearing deposits.

·

Core earnings growth - 7.4% increase in net interest income compared to the prior year’s quarter due to strong commercial and residential loan portfolio growth. 

·

Improved efficiency as operating expenses remain flat at $6.1 million for each quarter.

·

Improved credit quality metrics due to decreased nonperforming loans this quarter compared to the prior year’s quarter.  

·

Announced common stock rights offering to provide capital for continued growth. 

 

“I am very pleased with our second quarter results,” reported James A. Hughes, President and CEO.  “We continue to have strong loan and deposit growth, our expenses are stable, and asset quality continues to improve.  I look forward to reporting our continued progress as 2014 unfolds.”

 

For the six months ended June 30, 2014, net income available to common shareholders totaled $2.8 million, or $0.37 per diluted share, compared to $1.7 million or $0.21 per diluted share in the prior period.  Return on average assets and average common equity for the six month periods were 0.64% and 9.70%, respectively, compared to 0.63% and 5.88% for the same period a year ago. 

 

Net Interest Income

Net interest income increased $503 thousand to $7.3 million for the quarter and increased $1.1 million to $14.6 million for the six months ended June 30, 2014 compared to the prior year’s periods.  The increases in each period were the result of momentum from the strong growth in commercial and residential mortgage loan volume.  For example, average commercial loans increased $55.2 million and average residential mortgage loans increased $41.2 million in the second quarter 2014

 

compared to 2013. The volume driven interest income increase offset the impact of lower rates on earning assets and the increase in interest paid on deposits due to the $88.8 million increase in average time deposits. 

The net interest margin decreased 17 basis points to 3.49% for the quarter ended June 30, 2014 compared to 3.66% the prior year.  For the six month period, the net interest margin declined 6 basis points to 3.53%.  We expect net interest income to continue to expand in future quarters due to strong loan growth and our net interest margin to remain stable.

Provision for Loan Losses

 

The provision for loan losses was $550 thousand in the current quarter and $1.2 million for the first six months of 2014, compared to $300 thousand and $1.0 million for the comparable prior year periods.   

 

Noninterest Income

Noninterest income remained flat at $1.6 million for the three months ended June 30, 2014, compared to the same period last year. There was a reduced volume of residential mortgage loan sales, partially offset by increased SBA loan sales and security gains compared to the prior period.  For the six months ended June 30, 2014, noninterest income decreased $316 thousand to $3.2 million due primarily to the lower volume of residential mortgage loan sales. 

During the quarter, $11.1 million in residential mortgage loans were sold at a gain of $188 thousand, compared to $25.9 million sold at a gain of $547 thousand during the prior year’s quarter.  Approximately, $2.6 million of the sold loans were previously originated loans from our portfolio, with the remainder consisting of new production.  For the six month period, $28.6 million in residential mortgage loans were sold at a gain of $553 thousand, compared to $48.5 million sold at a gain of $1.0 million during the prior year’s period. Approximately, $10.1 million of the sold loans were previously originated loans from our portfolio, with the remainder consisting of new production.  We do not anticipate the recent rise in mortgage interest rates to have a material impact on our residential mortgage origination volume.

SBA loan sales totaled $2.3 million with net gains on sale of $255 thousand for the quarter, compared to $900 thousand sold and a gain of $86 thousand in the prior year’s quarter.  On a year-to-date basis, SBA loan sales totaled $3.2 million in both periods, with net gains on sale of $337 thousand and $327 thousand in 2014 and 2013, respectively.  We anticipate an increase in the volume of originations and sales in 2014, due to the addition of SBA business development officers.

Noninterest Expense

Noninterest expense remained stable and totaled $6.1 million for each of the quarterly periods.  For the six months ended June 30, 2014, noninterest expense increased $204 thousand to $12.4 million compared to the prior year period.   During both periods, advertising, OREO and processing and communications expenses increased while loan costs decreases.  Details of fluctuations are below.

·

Advertising expenses increased in both periods due to the expanded use of print, direct mail and bill board media, plus seasonal involvement in various community events.

·

Processing and communications expenses, which include volume driven expenses such as items processing, merchant services and postage increased as well as electronic access expenses such as data processing lines and internet access. 

·

OREO expenses remain elevated as we work through the collection process and incur expenses such as property maintenance, insurance and legal costs, as well as delinquent taxes and losses on sale.

·

Loan legal and appraisal costs have decreased while mortgage servicing related costs have increased due to a larger portfolio.

·

Compensation and benefits expense decreased during the second quarter as lower compensation and mortgage commission expense offset an increase in bonus accruals and benefits expenses.  Year to date compensation and benefits expense remained flat.

·

Occupancy expense decreased for the six month period due to the reduction in lease and leasehold depreciation expense related to the three branch sites that were purchased a year ago.  These savings were partially offset by the increase in seasonal weather related expenses.  Quarter over quarter, occupancy expense remained flat. 

·

Other expenses decreased year to date due to lower director fees, printing and office supplies and provision for loan commitments.

 

Financial Condition

At June 30, 2014, total assets were $932.4 million, an increase of $11.3 million from the prior year-end:

·

Total securities decreased $17.0 million or 15.9%, from year-end to $90.5 million at June 30, 2014.  During the quarter, we strategically sold longer dated investments in order to reduce the portfolio’s average life and duration. 

·

Total loans increased $30.2 million or 4.4%, from year-end 2013 to $708.9 million at June 30, 2014. The majority of the growth came in our residential mortgage and commercial loan portfolios which increased $14.1 million and $12.6 million, respectively.  Future loan growth is expected to be primarily in commercial and residential mortgage loans, while the Company plans to continue shrinking it’s out of market SBA portfolio.

·

Total deposits decreased $10.6 million or 1.4%, to $728.1 million at June 30, 2014, due primarily to a seasonal reduction in municipal interest-bearing demand and savings deposits.  These decreases were partially offset by an $8.8 million increase in noninterest-bearing demand deposits and a $10.3 million increase in time deposits.  The noninterest-bearing demand deposit increase consisted of commercial deposit customers.  The time deposit increase was the result of our 5 year and 15 month promotion.  

·

Shareholders’ equity was $60.5 million at June 30, 2014, an increase of $3.3 million from year-end 2013, due primarily to year-to-date net income less the dividends paid.

·

Book value per common share was $7.95 as of June 30, 2014.

·

At June 30, 2014, the leverage, Tier I and Total Risk Based Capital ratios were 8.24%, 10.86% and 12.12% respectively, all in excess of the ratios required to be deemed “well-capitalized”. 

“On July 7, 2014, we commenced our rights offering and will be raising a limited amount of capital.  This capital will allow for continued loan and asset growth and will allow our existing shareholders to increase their investment in Unity," said James A. Hughes, President and CEO.

Credit Quality

 

·

Nonperforming assets totaled $13.0 million at June 30, 2014, or 1.84% of total loans and OREO, compared to $15.9 million or 2.34% of total loans and OREO at year-end 2013.

·

OREO increased $482 thousand to $1.1 million at June 30, 2014, due to the addition of $2.9 million (7 properties) less sale proceeds of $2.4 million (5 properties).

·

The allowance for loan losses totaled $12.9 million at June 30, 2014, or 1.81% of total loans compared to $13.1 million and 1.94% at year end.

·

Net charge-offs were $499 thousand for the three months ended June 30, 2014, compared to $336 thousand for the same period a year ago.  For the six months ended June 30, 2014, net charge-offs were $1.4 million in both periods.

·

Troubled debt restructurings (“TDRs”) decreased $213 thousand from year-end to $7.7 million due to principal pay downs.  There have been no new TDRs recognized in 2014.  At June 30, 2014, 90.4% of our TDRs were performing. 

Unity Bancorp, Inc. is a financial service organization headquartered in Clinton, New Jersey, with approximately $932 million in assets and $728 million in deposits.  Unity Bank provides financial services to retail, corporate and small business customers through its 15 retail service centers located in Hunterdon, Middlesex, Somerset, Union and Warren Counties in New Jersey and Northampton County, Pennsylvania.  For additional information about Unity, visit our website at www.unitybank.com , or call 800- 618-BANK.

This news release contains certain forward-looking statements, either expressed or implied, which are provided to assist the reader in understanding anticipated future financial performance.  These statements may be identified by use of the words “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project” or similar expressions.  These statements involve certain risks, uncertainties, estimates and assumptions made by management, which are subject to factors beyond the company’s control and could impede its ability to achieve these goals.  These factors include those items included in our Annual Report on Form 10-K under the heading “Item IA-Risk Factors” as well as general economic conditions, trends in interest rates, the ability of our borrowers to repay their loans, our ability to manage and reduce the level of our nonperforming assets, and results of regulatory exams, among other factors.

 

This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction.

 

UNITY BANCORP, INC.

SUMMARY FINANCIAL HIGHLIGHTS

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2014 vs.

 

 

 

 

 

 

 

 

 

 

March 31, 2014

 

June 30, 2013

 

(In thousands, except percentages and per share amounts)

 

June 30, 2014

 

March 31, 2014

 

June 30, 2013

 

 

%

 

%

 

BALANCE SHEET DATA:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets

 

$
932,414 

 

$
961,168 

 

$
824,575 

 

 
(3.0)

%
13.1 

%

Total deposits

 

 
728,083 

 

 
767,624 

 

 
628,369 

 

 
(5.2)

 
15.9 

 

Total loans

 

 
708,889 

 

 
683,951 

 

 
622,316 

 

 
3.6 

 
13.9 

 

Total securities

 

 
90,470 

 

 
109,459 

 

 
111,269 

 

 
(17.3)

 
(18.7)

 

Total shareholders' equity

 

 
60,477 

 

 
58,810 

 

 
68,287 

 

 
2.8 

 
(11.4)

 

Allowance for loan losses

 

 
(12,858)

 

 
(12,807)

 

 
(14,309)

 

 
0.4 

 
(10.1)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FINANCIAL DATA - QUARTER TO DATE:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before provision for income taxes

 

$
2,251 

 

$
1,955 

 

$
2,086 

 

 
15.1 

 
7.9 

 

Provision for income taxes

 

 
723 

 

 
662 

 

 
739 

 

 
9.2 

 
(2.2)

 

Net income

 

 
1,528 

 

 
1,293 

 

 
1,347 

 

 
18.2 

 
13.4 

 

Preferred stock dividends and discount accretion

 

 

 -

 

 

 -

 

 
465 

 

 

 -

 
(100.0)

 

Income available to common shareholders

 

$
1,528 

 

$
1,293 

 

$
882 

 

 
18.2 

 
73.2 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per common share - Basic (1)

 

$
0.20 

 

$
0.17 

 

$
0.12 

 

 
17.6 

 
66.7 

 

Net income per common share - Diluted (1)

 

$
0.20 

 

$
0.17 

 

$
0.11 

 

 
17.6 

 
81.8 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 
0.68 

%

 
0.59 

%

 
0.67 

%

 
15.3 

 
1.5 

 

Return on average equity (2)

 

 
10.31 

%

 
9.06 

%

 
6.11 

%

 
13.8 

 
68.7 

 

Efficiency ratio

 

 
70.81 

%

 
71.91 

%

 
72.72 

%

 
(1.5)

 
(2.6)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

FINANCIAL DATA - YEAR TO DATE:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income before provision for income taxes

 

$
4,206 

 

 

 

 

$
3,824 

 

 

 

 
10.0 

 

Provision for income taxes

 

 
1,385 

 

 

 

 

 
1,278 

 

 

 

 
8.4 

 

Net income

 

 
2,821 

 

 

 

 

 
2,546 

 

 

 

 
10.8 

 

Preferred stock dividends and discount accretion

 

 

 -

 

 

 

 

 
869 

 

 

 

 
(100.0)

 

Income available to common shareholders

 

$
2,821 

 

 

 

 

$
1,677 

 

 

 

 
68.2 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per common share - Basic (1)

 

$
0.37 

 

 

 

 

$
0.22 

 

 

 

 
68.2 

 

Net income per common share - Diluted (1)

 

$
0.37 

 

 

 

 

$
0.21 

 

 

 

 
76.2 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 
0.64 

%

 

 

 

 
0.63 

%

 

 

 
1.6 

 

Return on average equity (2)

 

 
9.70 

%

 

 

 

 
5.88 

%

 

 

 
65.0 

 

Efficiency ratio

 

 
71.36 

%

 

 

 

 
73.31 

%

 

 

 
(2.7)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SHARE INFORMATION:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Market price per share

 

$
9.28 

 

$
7.95 

 

$
7.10 

 

 
16.7 

 
30.7 

 

Dividends paid

 

$
0.02 

 

$
0.02 

 

$
0.01 

 

 

 -

 
1.0 

 

Book value per common share

 

$
7.95 

 

$
7.74 

 

$
7.70 

 

 
2.7 

 
3.2 

 

Average diluted shares outstanding (QTD)

 

 
7,690 

 

 
7,654 

 

 
7,911 

 

 
0.5 

 
(2.8)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CAPITAL RATIOS:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total equity to total assets

 

 
6.49 

%

 
6.12 

%

 
8.28 

%

 
6.0 

 
(21.6)

 

Leverage ratio

 

 
8.24 

%

 
8.19 

%

 
10.23 

%

 
0.6 

 
(19.5)

 

Tier 1 risk-based capital ratio

 

 
10.86 

%

 
10.77 

%

 
13.36 

%

 
0.8 

 
(18.7)

 

Total risk-based capital ratio

 

 
12.12 

%

 
12.03 

%

 
14.63 

%

 
0.7 

 
(17.2)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CREDIT QUALITY AND RATIOS:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming assets

 

$
13,044 

 

$
14,513 

 

$
14,109 

 

 
(10.1)

 
(7.5)

 

QTD net chargeoffs (annualized) to QTD average loans

 

 
0.29 

%

 
0.56 

%

 
0.22 

%

 
(48.2)

 
31.8 

 

Allowance for loan losses to total loans

 

 
1.81 

%

 
1.87 

%

 
2.30 

%

 
(3.2)

 
(21.3)

 

Nonperforming assets to total loans and OREO

 

 
1.84 

%

 
2.11 

%

 
2.26 

%

 
(12.8)

 
(18.6)

 

Nonperforming assets to total assets

 

 
1.40 

%

 
1.51 

%

 
1.71 

%

 
(7.3)

%
(18.1)

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1)

Defined as net income adjusted for dividends accrued and accretion of discount on perpetual preferred stock divided by weighted average shares outstanding.

(2)

Defined as net income adjusted for dividends accrued and accretion of discount on perpetual preferred stock divided by average shareholders' equity (excluding preferred stock).

 

UNITY BANCORP, INC.

CONSOLIDATED BALANCE SHEETS

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2014 vs.

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2013

 

June 30, 2013

 

(In thousands, except percentages)

 

June 30, 2014

 

December 31, 2013

 

June 30, 2013

 

 

%

 

%

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

$
35,197 

 

$
24,272 

 

$
21,860 

 

 
45.0 

%
61.0 

%

Federal funds sold and interest-bearing deposits

 

 
60,141 

 

 
75,132 

 

 
34,450 

 

 
(20.0)

 
74.6 

 

Cash and cash equivalents

 

 
95,338 

 

 
99,404 

 

 
56,310 

 

 
(4.1)

 
69.3 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Securities available for sale

 

 
68,734 

 

 
81,133 

 

 
84,212 

 

 
(15.3)

 
(18.4)

 

Securities held to maturity

 

 
21,736 

 

 
26,381 

 

 
27,057 

 

 
(17.6)

 
(19.7)

 

Total securities

 

 
90,470 

 

 
107,514 

 

 
111,269 

 

 
(15.9)

 
(18.7)

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans held for sale

 

 
6,444 

 

 
6,673 

 

 
7,772 

 

 
(3.4)

 
(17.1)

 

SBA loans held for investment

 

 
46,890 

 

 
48,918 

 

 
52,279 

 

 
(4.1)

 
(10.3)

 

SBA 504 loans

 

 
34,452 

 

 
31,564 

 

 
39,070 

 

 
9.1 

 
(11.8)

 

Commercial loans

 

 
375,976 

 

 
363,340 

 

 
323,476 

 

 
3.5 

 
16.2 

 

Residential mortgage loans

 

 
196,184 

 

 
182,067 

 

 
154,716 

 

 
7.8 

 
26.8 

 

Consumer loans  

 

 
48,943 

 

 
46,139 

 

 
45,003 

 

 
6.1 

 
8.8 

 

Total loans

 

 
708,889 

 

 
678,701 

 

 
622,316 

 

 
4.4 

 
13.9 

 

Allowance for loan losses

 

 
(12,858)

 

 
(13,141)

 

 
(14,309)

 

 
2.2 

 
10.1 

 

Net loans

 

 
696,031 

 

 
665,560 

 

 
608,007 

 

 
4.6 

 
14.5 

 

Premises and equipment, net

 

 
15,469 

 

 
15,672 

 

 
15,823 

 

 
(1.3)

 
(2.2)

 

Bank owned life insurance ("BOLI")

 

 
12,941 

 

 
12,749 

 

 
12,548 

 

 
1.5 

 
3.1 

 

Deferred tax assets

 

 
6,149 

 

 
6,752 

 

 
6,658 

 

 
(8.9)

 
(7.6)

 

Federal Home Loan Bank stock

 

 
6,378 

 

 
5,392 

 

 
5,527 

 

 
18.3 

 
15.4 

 

Accrued interest receivable

 

 
3,283 

 

 
3,272 

 

 
3,353 

 

 
0.3 

 
(2.1)

 

Other real estate owned ("OREO")

 

 
1,115 

 

 
633 

 

 
752 

 

 
76.1 

 
48.3 

 

Goodwill and other intangibles

 

 
1,516 

 

 
1,516 

 

 
1,516 

 

 

 -

 

 -

 

Other assets

 

 
3,724 

 

 
2,654 

 

 
2,812 

 

 
40.3 

 
32.4 

 

Total assets

 

$
932,414 

 

$
921,118 

 

$
824,575 

 

 
1.2 

%
13.1 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

Liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing demand deposits

 

$
144,848 

 

$
136,035 

 

$
128,045 

 

 
6.5 

%
13.1 

%

Interest-bearing demand deposits

 

 
110,590 

 

 
130,806 

 

 
108,176 

 

 
(15.5)

 
2.2 

 

Savings deposits

 

 
256,991 

 

 
266,503 

 

 
266,168 

 

 
(3.6)

 
(3.4)

 

Time deposits, under $100,000

 

 
114,605 

 

 
108,258 

 

 
74,950 

 

 
5.9 

 
52.9 

 

Time deposits, $100,000 and over

 

 
101,049 

 

 
97,096 

 

 
51,030 

 

 
4.1 

 
98.0 

 

Total deposits

 

 
728,083 

 

 
738,698 

 

 
628,369 

 

 
(1.4)

 
15.9 

 

Borrowed funds

 

 
125,000 

 

 
107,000 

 

 
110,000 

 

 
16.8 

 
13.6 

 

Subordinated debentures

 

 
15,465 

 

 
15,465 

 

 
15,465 

 

 

 -

 

 -

 

Accrued interest payable

 

 
466 

 

 
454 

 

 
443 

 

 
2.6 

 
5.2 

 

Accrued expenses and other liabilities

 

 
2,923 

 

 
2,328 

 

 
2,011 

 

 
25.6 

 
45.4 

 

Total liabilities

 

 
871,937 

 

 
863,945 

 

 
756,288 

 

 
0.9 

 
15.3 

 

Shareholders' equity:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cumulative perpetual preferred stock

 

 

 -

 

 

 -

 

 
10,209 

 

 

 -

 
(100.0)

 

Common stock

 

 
52,356 

 

 
52,051 

 

 
54,461 

 

 
0.6 

 
(3.9)

 

Retained earnings

 

 
8,114 

 

 
5,598 

 

 
3,390 

 

 
44.9 

 
139.4 

 

Accumulated other comprehensive income (loss)

 

 
7 

 

 
(476)

 

 
227 

 

 
101.5 

 
(96.9)

 

Total shareholders' equity

 

 
60,477 

 

 
57,173 

 

 
68,287 

 

 
5.8 

 
(11.4)

 

Total liabilities and shareholders' equity

 

$
932,414 

 

$
921,118 

 

$
824,575 

 

 
1.2 

%
13.1 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Preferred shares

 

 

 -

 

 

 -

 

 
10 

 

 

 

 

 

 

Issued and outstanding common shares

 

 
7,607 

 

 
7,577 

 

 
7,544 

 

 

 

 

 

 

 

UNITY BANCORP, INC.

QTD CONSOLIDATED STATEMENTS OF INCOME

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

June 30, 2014 vs.

 

 

 

For the three months ended

 

 

March 31, 2014

 

June 30, 2013

 

(In thousands, except percentages and per share amounts)

 

June 30, 2014

 

March 31, 2014

 

June 30, 2013

 

 

$

 

%

 

$

 

%

 

INTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold and interest-bearing deposits

 

$
10 

 

$
9 

 

$
7 

 

 

$
1 

 

 
11.1 

%

$
3 

 

 
42.9 

%

Federal Home Loan Bank stock

 

 
40 

 

 
47 

 

 
35 

 

 

 
(7)

 

 
(14.9)

 

 
5 

 

 
14.3 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 
552 

 

 
726 

 

 
620 

 

 

 
(174)

 

 
(24.0)

 

 
(68)

 

 
(11.0)

 

Tax-exempt

 

 
90 

 

 
105 

 

 
125 

 

 

 
(15)

 

 
(14.3)

 

 
(35)

 

 
(28.0)

 

Total securities

 

 
642 

 

 
831 

 

 
745 

 

 

 
(189)

 

 
(22.7)

 

 
(103)

 

 
(13.8)

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
643 

 

 
583 

 

 
778 

 

 

 
60 

 

 
10.3 

 

 
(135)

 

 
(17.4)

 

SBA 504 loans

 

 
433 

 

 
399 

 

 
441 

 

 

 
34 

 

 
8.5 

 

 
(8)

 

 
(1.8)

 

Commercial loans

 

 
4,738 

 

 
4,601 

 

 
4,250 

 

 

 
137 

 

 
3.0 

 

 
488 

 

 
11.5 

 

Residential mortgage loans

 

 
2,052 

 

 
2,058 

 

 
1,649 

 

 

 
(6)

 

 
(0.3)

 

 
403 

 

 
24.4 

 

Consumer loans

 

 
544 

 

 
495 

 

 
496 

 

 

 
49 

 

 
9.9 

 

 
48 

 

 
9.7 

 

Total loans

 

 
8,410 

 

 
8,136 

 

 
7,614 

 

 

 
274 

 

 
3.4 

 

 
796 

 

 
10.5 

 

Total interest income

 

 
9,102 

 

 
9,023 

 

 
8,401 

 

 

 
79 

 

 
0.9 

 

 
701 

 

 
8.3 

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

 
109 

 

 
111 

 

 
90 

 

 

 
(2)

 

 
(1.8)

 

 
19 

 

 
21.1 

 

Savings deposits

 

 
188 

 

 
182 

 

 
164 

 

 

 
6 

 

 
3.3 

 

 
24 

 

 
14.6 

 

Time deposits

 

 
693 

 

 
644 

 

 
537 

 

 

 
49 

 

 
7.6 

 

 
156 

 

 
29.1 

 

Borrowed funds and subordinated debentures

 

 
807 

 

 
799 

 

 
808 

 

 

 
8 

 

 
1.0 

 

 
(1)

 

 
(0.1)

 

Total interest expense

 

 
1,797 

 

 
1,736 

 

 
1,599 

 

 

 
61 

 

 
3.5 

 

 
198 

 

 
12.4 

 

Net interest income

 

 
7,305 

 

 
7,287 

 

 
6,802 

 

 

 
18 

 

 
0.2 

 

 
503 

 

 
7.4 

 

Provision for loan losses

 

 
550 

 

 
600 

 

 
300 

 

 

 
(50)

 

 
(8.3)

 

 
250 

 

 
83.3 

 

Net interest income after provision for loan losses

 

 
6,755 

 

 
6,687 

 

 
6,502 

 

 

 
68 

 

 
1.0 

 

 
253 

 

 
3.9 

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Branch fee income

 

 
342 

 

 
377 

 

 
348 

 

 

 
(35)

 

 
(9.3)

 

 
(6)

 

 
(1.7)

 

Service and loan fee income

 

 
285 

 

 
295 

 

 
319 

 

 

 
(10)

 

 
(3.4)

 

 
(34)

 

 
(10.7)

 

Gain on sale of SBA loans held for sale, net

 

 
255 

 

 
83 

 

 
86 

 

 

 
172 

 

 
207.2 

 

 
169 

 

 
196.5 

 

Gain on sale of mortgage loans, net

 

 
188 

 

 
365 

 

 
547 

 

 

 
(177)

 

 
(48.5)

 

 
(359)

 

 
(65.6)

 

BOLI income

 

 
96 

 

 
96 

 

 
75 

 

 

 

 -

 

 

 -

 

 
21 

 

 
28.0 

 

Net security gains

 

 
268 

 

 
110 

 

 
108 

 

 

 
158 

 

 
143.6 

 

 
160 

 

 
148.1 

 

Other income

 

 
206 

 

 
200 

 

 
175 

 

 

 
6 

 

 
3.0 

 

 
31 

 

 
17.7 

 

Total noninterest income

 

 
1,640 

 

 
1,526 

 

 
1,658 

 

 

 
114 

 

 
7.5 

 

 
(18)

 

 
(1.1)

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Compensation and benefits

 

 
3,122 

 

 
3,217 

 

 
3,166 

 

 

 
(95)

 

 
(3.0)

 

 
(44)

 

 
(1.4)

 

Occupancy

 

 
619 

 

 
659 

 

 
627 

 

 

 
(40)

 

 
(6.1)

 

 
(8)

 

 
(1.3)

 

Processing and communications

 

 
597 

 

 
582 

 

 
562 

 

 

 
15 

 

 
2.6 

 

 
35 

 

 
6.2 

 

Furniture and equipment

 

 
379 

 

 
357 

 

 
371 

 

 

 
22 

 

 
6.2 

 

 
8 

 

 
2.2 

 

Professional services

 

 
247 

 

 
211 

 

 
234 

 

 

 
36 

 

 
17.1 

 

 
13 

 

 
5.6 

 

Loan costs

 

 
174 

 

 
170 

 

 
228 

 

 

 
4 

 

 
2.4 

 

 
(54)

 

 
(23.7)

 

OREO expenses

 

 
95 

 

 
247 

 

 
63 

 

 

 
(152)

 

 
(61.5)

 

 
32 

 

 
50.8 

 

Deposit insurance

 

 
171 

 

 
178 

 

 
179 

 

 

 
(7)

 

 
(3.9)

 

 
(8)

 

 
(4.5)

 

Advertising

 

 
287 

 

 
151 

 

 
181 

 

 

 
136 

 

 
90.1 

 

 
106 

 

 
58.6 

 

Other expenses

 

 
453 

 

 
486 

 

 
463 

 

 

 
(33)

 

 
(6.8)

 

 
(10)

 

 
(2.2)

 

Total noninterest expense

 

 
6,144 

 

 
6,258 

 

 
6,074 

 

 

 
(114)

 

 
(1.8)

 

 
70 

 

 
1.2 

 

Income before provision for income taxes

 

 
2,251 

 

 
1,955 

 

 
2,086 

 

 

 
296 

 

 
15.1 

 

 
165 

 

 
7.9 

 

Provision for income taxes

 

 
723 

 

 
662 

 

 
739 

 

 

 
61 

 

 
9.2 

 

 
(16)

 

 
(2.2)

 

Net income

 

 
1,528 

 

 
1,293 

 

 
1,347 

 

 

 
235 

 

 
18.2 

 

 
181 

 

 
13.4 

 

Preferred stock dividends and discount accretion

 

 

 -

 

 

 -

 

 
465 

 

 

 

 -

 

 

 -

 

 
(465)

 

 
(100.0)

 

Income available to common shareholders

 

$
1,528 

 

$
1,293 

 

$
882 

 

 

$
235 

 

 
18.2 

%

$
646 

 

 
73.2 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Effective tax rate

 

 
32.1 

%

 
33.9 

%

 
35.4 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per common share - Basic (1)

 

$
0.20 

 

$
0.17 

 

$
0.12 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per common share - Diluted (1)

 

$
0.20 

 

$
0.17 

 

$
0.11 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Weighted average common shares outstanding - Basic

 

 
7,605 

 

 
7,586 

 

 
7,544 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Weighted average common shares outstanding - Diluted

 

 
7,690 

 

 
7,654 

 

 
7,911 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(1)

Defined as net income adjusted for dividends accrued and accretion of discount on perpetual preferred stock divided by weighted average shares outstanding.

 

 

UNITY BANCORP, INC.

YTD CONSOLIDATED STATEMENTS OF INCOME

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For the six months ended June 30,

 

 

Current YTD vs. Prior YTD

 

(In thousands, except percentages and per share amounts)

 

2014

 

2013

 

 

$

 

%

 

INTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold and interest-bearing deposits

 

$
19 

 

$
22 

 

 

$
(3)

 

 
(13.6)

%

Federal Home Loan Bank stock

 

 
87 

 

 
78 

 

 

 
9 

 

 
11.5 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 
1,278 

 

 
1,267 

 

 

 
11 

 

 
0.9 

 

Tax-exempt

 

 
195 

 

 
245 

 

 

 
(50)

 

 
(20.4)

 

Total securities

 

 
1,473 

 

 
1,512 

 

 

 
(39)

 

 
(2.6)

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
1,226 

 

 
1,555 

 

 

 
(329)

 

 
(21.2)

 

SBA 504 loans

 

 
832 

 

 
1,092 

 

 

 
(260)

 

 
(23.8)

 

Commercial loans

 

 
9,340 

 

 
8,251 

 

 

 
1,089 

 

 
13.2 

 

Residential mortgage loans

 

 
4,110 

 

 
3,199 

 

 

 
911 

 

 
28.5 

 

Consumer loans

 

 
1,039 

 

 
1,005 

 

 

 
34 

 

 
3.4 

 

Total loans

 

 
16,547 

 

 
15,102 

 

 

 
1,445 

 

 
9.6 

 

Total interest income

 

 
18,126 

 

 
16,714 

 

 

 
1,412 

 

 
8.4 

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

 
220 

 

 
191 

 

 

 
29 

 

 
15.2 

 

Savings deposits

 

 
370 

 

 
340 

 

 

 
30 

 

 
8.8 

 

Time deposits

 

 
1,337 

 

 
1,083 

 

 

 
254 

 

 
23.5 

 

Borrowed funds and subordinated debentures

 

 
1,606 

 

 
1,609 

 

 

 
(3)

 

 
(0.2)

 

Total interest expense

 

 
3,533 

 

 
3,223 

 

 

 
310 

 

 
9.6 

 

Net interest income

 

 
14,593 

 

 
13,491 

 

 

 
1,102 

 

 
8.2 

 

Provision for loan losses

 

 
1,150 

 

 
950 

 

 

 
200 

 

 
21.1 

 

Net interest income after provision for loan losses

 

 
13,443 

 

 
12,541 

 

 

 
902 

 

 
7.2 

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Branch fee income

 

 
718 

 

 
695 

 

 

 
23 

 

 
3.3 

 

Service and loan fee income

 

 
580 

 

 
623 

 

 

 
(43)

 

 
(6.9)

 

Gain on sale of SBA loans held for sale, net

 

 
337 

 

 
327 

 

 

 
10 

 

 
3.1 

 

Gain on sale of mortgage loans, net

 

 
553 

 

 
1,025 

 

 

 
(472)

 

 
(46.0)

 

BOLI income

 

 
192 

 

 
146 

 

 

 
46 

 

 
31.5 

 

Net security gains

 

 
378 

 

 
334 

 

 

 
44 

 

 
13.2 

 

Other income

 

 
408 

 

 
332 

 

 

 
76 

 

 
22.9 

 

Total noninterest income

 

 
3,166 

 

 
3,482 

 

 

 
(316)

 

 
(9.1)

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Compensation and benefits

 

 
6,340 

 

 
6,341 

 

 

 
(1)

 

 

 -

 

Occupancy

 

 
1,279 

 

 
1,321 

 

 

 
(42)

 

 
(3.2)

 

Processing and communications

 

 
1,179 

 

 
1,123 

 

 

 
56 

 

 
5.0 

 

Furniture and equipment

 

 
735 

 

 
736 

 

 

 
(1)

 

 
(0.1)

 

Professional services

 

 
458 

 

 
424 

 

 

 
34 

 

 
8.0 

 

Loan costs

 

 
344 

 

 
406 

 

 

 
(62)

 

 
(15.3)

 

OREO expenses

 

 
342 

 

 
190 

 

 

 
152 

 

 
80.0 

 

Deposit insurance

 

 
349 

 

 
328 

 

 

 
21 

 

 
6.4 

 

Advertising

 

 
438 

 

 
301 

 

 

 
137 

 

 
45.5 

 

Other expenses

 

 
939 

 

 
1,029 

 

 

 
(90)

 

 
(8.7)

 

Total noninterest expense

 

 
12,403 

 

 
12,199 

 

 

 
204 

 

 
1.7 

 

Income before provision for income taxes

 

 
4,206 

 

 
3,824 

 

 

 
382 

 

 
10.0 

 

Provision for income taxes

 

 
1,385 

 

 
1,278 

 

 

 
107 

 

 
8.4 

 

Net income

 

 
2,821 

 

 
2,546 

 

 

 
275 

 

 
10.8 

 

Preferred stock dividends and discount accretion

 

 

 -

 

 
869 

 

 

 
(869)

 

 
(100.0)

 

Income available to common shareholders

 

$
2,821 

 

$
1,677 

 

 

$
1,144 

 

 
68.2 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Effective tax rate

 

 
32.9 

%

 
33.4 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per common share - Basic (1)

 

$
0.37 

 

$
0.22 

 

 

 

 

 

 

 

 

Net income per common share - Diluted (1)

 

$
0.37 

 

$
0.21 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Weighted average common shares outstanding - Basic

 

 
7,596 

 

 
7,541 

 

 

 

 

 

 

 

 

Weighted average common shares outstanding - Diluted

 

 
7,672 

 

 
7,881 

 

 

 

 

 

 

 

 

(1)

Defined as net income adjusted for dividends accrued and accretion of discount on perpetual preferred stock divided by weighted average shares outstanding.

 

UNITY BANCORP, INC.

QTD NET INTEREST MARGIN

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For the three months ended

 

 

 

June 30, 2014

 

March 31, 2014

 

 

 

Average Balance

 

Interest

 

Rate/Yield

 

Average Balance

 

Interest

 

Rate/Yield

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold and interest-bearing deposits

 

$
47,859 

 

$
10 

 

 
0.08 

%

$
42,029 

 

$
9 

 

 
0.09 

%

Federal Home Loan Bank stock

 

 
4,149 

 

 
40 

 

 
3.87 

 

 
3,988 

 

 
47 

 

 
4.78 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 
85,598 

 

 
552 

 

 
2.58 

 

 
92,808 

 

 
726 

 

 
3.13 

 

Tax-exempt

 

 
14,608 

 

 
133 

 

 
3.64 

 

 
16,841 

 

 
155 

 

 
3.68 

 

Total securities (A)

 

 
100,206 

 

 
685 

 

 
2.73 

 

 
109,649 

 

 
881 

 

 
3.21 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
53,965 

 

 
643 

 

 
4.77 

 

 
54,790 

 

 
583 

 

 
4.26 

 

SBA 504 loans

 

 
34,415 

 

 
433 

 

 
5.05 

 

 
31,719 

 

 
399 

 

 
5.10 

 

Commercial loans

 

 
370,345 

 

 
4,738 

 

 
5.13 

 

 
364,343 

 

 
4,601 

 

 
5.12 

 

Residential mortgage loans

 

 
185,016 

 

 
2,052 

 

 
4.44 

 

 
181,058 

 

 
2,058 

 

 
4.55 

 

Consumer loans  

 

 
47,737 

 

 
544 

 

 
4.57 

 

 
45,939 

 

 
495 

 

 
4.37 

 

Total loans (B)

 

 
691,478 

 

 
8,410 

 

 
4.87 

 

 
677,849 

 

 
8,136 

 

 
4.85 

 

Total interest-earning assets

 

$
843,692 

 

$
9,145 

 

 
4.34 

%

$
833,515 

 

$
9,073 

 

 
4.39 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

 
24,368 

 

 

 

 

 

 

 

 
23,389 

 

 

 

 

 

 

 

Allowance for loan losses

 

 
(13,037)

 

 

 

 

 

 

 

 
(13,410)

 

 

 

 

 

 

 

Other assets

 

 
45,410 

 

 

 

 

 

 

 

 
43,599 

 

 

 

 

 

 

 

Total noninterest-earning assets

 

 
56,741 

 

 

 

 

 

 

 

 
53,578 

 

 

 

 

 

 

 

Total assets

 

$
900,433 

 

 

 

 

 

 

 

$
887,093 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

$
128,351 

 

$
109 

 

 
0.34 

%

$
131,187 

 

$
111 

 

 
0.34 

%

Savings deposits

 

 
261,419 

 

 
188 

 

 
0.29 

 

 
266,321 

 

 
182 

 

 
0.28 

 

Time deposits

 

 
213,122 

 

 
693 

 

 
1.30 

 

 
205,130 

 

 
644 

 

 
1.27 

 

Total interest-bearing deposits

 

 
602,892 

 

 
990 

 

 
0.66 

 

 
602,638 

 

 
937 

 

 
0.63 

 

Borrowed funds and subordinated debentures

 

 
91,069 

 

 
807 

 

 
3.51 

 

 
91,265 

 

 
799 

 

 
3.50 

 

Total interest-bearing liabilities

 

$
693,961 

 

$
1,797 

 

 
1.03 

%

$
693,903 

 

$
1,736 

 

 
1.01 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing demand deposits

 

 
143,720 

 

 

 

 

 

 

 

 
132,167 

 

 

 

 

 

 

 

Other liabilities

 

 
3,332 

 

 

 

 

 

 

 

 
3,169 

 

 

 

 

 

 

 

Total noninterest-bearing liabilities

 

 
147,052 

 

 

 

 

 

 

 

 
135,336 

 

 

 

 

 

 

 

Total shareholders' equity

 

 
59,420 

 

 

 

 

 

 

 

 
57,854 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

 

$
900,433 

 

 

 

 

 

 

 

$
887,093 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest spread

 

 

 

 

$
7,348 

 

 
3.31 

%

 

 

 

$
7,337 

 

 
3.38 

%

Tax-equivalent basis adjustment

 

 

 

 

 
(43)

 

 

 

 

 

 

 

 
(50)

 

 

 

 

Net interest income

 

 

 

 

$
7,305 

 

 

 

 

 

 

 

$
7,287 

 

 

 

 

Net interest margin

 

 

 

 

 

 

 

 
3.49 

%

 

 

 

 

 

 

 
3.57 

%

(A)

Yields related to securities exempt from federal and state income taxes are stated on a fully tax-equivalent basis.  They are reduced by the nondeductible portion of interest expense, assuming a federal tax rate of 34 percent and applicable state rates.

(B)

The loan averages are stated net of unearned income, and the averages include loans on which the accrual of interest has been discontinued. 

 

 

UNITY BANCORP, INC.

QTD NET INTEREST MARGIN

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For the three months ended

 

 

 

June 30, 2014

 

June 30, 2013

 

 

 

Average Balance

 

Interest

 

Rate/Yield

 

Average Balance

 

Interest

 

Rate/Yield

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold and interest-bearing deposits

 

$
47,859 

 

$
10 

 

 
0.08 

%

$
25,312 

 

$
7 

 

 
0.11 

%

Federal Home Loan Bank stock

 

 
4,149 

 

 
40 

 

 
3.87 

 

 
4,007 

 

 
35 

 

 
3.50 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 
85,598 

 

 
552 

 

 
2.58 

 

 
95,675 

 

 
620 

 

 
2.59 

 

Tax-exempt

 

 
14,608 

 

 
133 

 

 
3.64 

 

 
20,440 

 

 
186 

 

 
3.64 

 

Total securities (A)

 

 
100,206 

 

 
685 

 

 
2.73 

 

 
116,115 

 

 
806 

 

 
2.77 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
53,965 

 

 
643 

 

 
4.77 

 

 
63,007 

 

 
778 

 

 
4.94 

 

SBA 504 loans

 

 
34,415 

 

 
433 

 

 
5.05 

 

 
39,408 

 

 
441 

 

 
4.49 

 

Commercial loans

 

 
370,345 

 

 
4,738 

 

 
5.13 

 

 
315,128 

 

 
4,250 

 

 
5.41 

 

Residential mortgage loans

 

 
185,016 

 

 
2,052 

 

 
4.44 

 

 
143,835 

 

 
1,649 

 

 
4.59 

 

Consumer loans  

 

 
47,737 

 

 
544 

 

 
4.57 

 

 
45,295 

 

 
496 

 

 
4.39 

 

Total loans (B)

 

 
691,478 

 

 
8,410 

 

 
4.87 

 

 
606,673 

 

 
7,614 

 

 
5.03 

 

Total interest-earning assets

 

$
843,692 

 

$
9,145 

 

 
4.34 

%

$
752,107 

 

$
8,462 

 

 
4.51 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

 
24,368 

 

 

 

 

 

 

 

 
22,866 

 

 

 

 

 

 

 

Allowance for loan losses

 

 
(13,037)

 

 

 

 

 

 

 

 
(14,747)

 

 

 

 

 

 

 

Other assets

 

 
45,410 

 

 

 

 

 

 

 

 
41,435 

 

 

 

 

 

 

 

Total noninterest-earning assets

 

 
56,741 

 

 

 

 

 

 

 

 
49,554 

 

 

 

 

 

 

 

Total assets

 

$
900,433 

 

 

 

 

 

 

 

$
801,661 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

$
128,351 

 

$
109 

 

 
0.34 

%

$
116,414 

 

$
90 

 

 
0.31 

%

Savings deposits

 

 
261,419 

 

 
188 

 

 
0.29 

 

 
270,097 

 

 
164 

 

 
0.24 

 

Time deposits

 

 
213,122 

 

 
693 

 

 
1.30 

 

 
124,285 

 

 
537 

 

 
1.73 

 

Total interest-bearing deposits

 

 
602,892 

 

 
990 

 

 
0.66 

 

 
510,796 

 

 
791 

 

 
0.62 

 

Borrowed funds and subordinated debentures

 

 
91,069 

 

 
807 

 

 
3.51 

 

 
91,653 

 

 
808 

 

 
3.49 

 

Total interest-bearing liabilities

 

$
693,961 

 

$
1,797 

 

 
1.03 

%

$
602,449 

 

$
1,599 

 

 
1.06 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing demand deposits

 

 
143,720 

 

 

 

 

 

 

 

 
122,635 

 

 

 

 

 

 

 

Other liabilities

 

 
3,332 

 

 

 

 

 

 

 

 
3,554 

 

 

 

 

 

 

 

Total noninterest-bearing liabilities

 

 
147,052 

 

 

 

 

 

 

 

 
126,189 

 

 

 

 

 

 

 

Total shareholders' equity

 

 
59,420 

 

 

 

 

 

 

 

 
73,023 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

 

$
900,433 

 

 

 

 

 

 

 

$
801,661 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest spread

 

 

 

 

$
7,348 

 

 
3.31 

%

 

 

 

$
6,863 

 

 
3.45 

%

Tax-equivalent basis adjustment

 

 

 

 

 
(43)

 

 

 

 

 

 

 

 
(61)

 

 

 

 

Net interest income

 

 

 

 

$
7,305 

 

 

 

 

 

 

 

$
6,802 

 

 

 

 

Net interest margin

 

 

 

 

 

 

 

 
3.49 

%

 

 

 

 

 

 

 
3.66 

%

(A)

Yields related to securities exempt from federal and state income taxes are stated on a fully tax-equivalent basis.  They are reduced by the nondeductible portion of interest expense, assuming a federal tax rate of 34 percent and applicable state rates.

(B)

The loan averages are stated net of unearned income, and the averages include loans on which the accrual of interest has been discontinued.

 

 

UNITY BANCORP, INC.

YEAR TO DATE NET INTEREST MARGIN

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

For the six months ended

 

 

 

June 30, 2014

 

June 30, 2013

 

 

 

Average Balance

 

Interest

 

Rate/Yield

 

Average Balance

 

Interest

 

Rate/Yield

 

ASSETS

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Federal funds sold and interest-bearing deposits

 

$
44,960 

 

$
19 

 

 
0.09 

%

$
43,818 

 

$
22 

 

 
0.10 

%

Federal Home Loan Bank stock

 

 
4,069 

 

 
87 

 

 
4.31 

 

 
3,998 

 

 
78 

 

 
3.93 

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable

 

 
89,183 

 

 
1,278 

 

 
2.87 

 

 
97,856 

 

 
1,267 

 

 
2.59 

 

Tax-exempt

 

 
15,718 

 

 
289 

 

 
3.68 

 

 
19,463 

 

 
363 

 

 
3.73 

 

Total securities (A)

 

 
104,901 

 

 
1,567 

 

 
2.99 

 

 
117,319 

 

 
1,630 

 

 
2.78 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
54,375 

 

 
1,226 

 

 
4.51 

 

 
64,190 

 

 
1,555 

 

 
4.84 

 

SBA 504 loans

 

 
33,075 

 

 
832 

 

 
5.07 

 

 
40,266 

 

 
1,092 

 

 
5.47 

 

Commercial loans

 

 
367,360 

 

 
9,340 

 

 
5.13 

 

 
309,990 

 

 
8,251 

 

 
5.37 

 

Residential mortgage loans

 

 
183,048 

 

 
4,110 

 

 
4.49 

 

 
139,882 

 

 
3,199 

 

 
4.57 

 

Consumer loans  

 

 
46,843 

 

 
1,039 

 

 
4.47 

 

 
45,700 

 

 
1,005 

 

 
4.43 

 

Total loans (B)

 

 
684,701 

 

 
16,547 

 

 
4.86 

 

 
600,028 

 

 
15,102 

 

 
5.06 

 

Total interest-earning assets

 

$
838,631 

 

$
18,220 

 

 
4.37 

%

$
765,163 

 

$
16,832 

 

 
4.42 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-earning assets:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Cash and due from banks

 

 
23,881 

 

 

 

 

 

 

 

 
21,310 

 

 

 

 

 

 

 

Allowance for loan losses

 

 
(13,222)

 

 

 

 

 

 

 

 
(14,872)

 

 

 

 

 

 

 

Other assets

 

 
44,510 

 

 

 

 

 

 

 

 
39,680 

 

 

 

 

 

 

 

Total noninterest-earning assets

 

 
55,169 

 

 

 

 

 

 

 

 
46,118 

 

 

 

 

 

 

 

Total assets

 

$
893,800 

 

 

 

 

 

 

 

$
811,281 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LIABILITIES AND SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-bearing demand deposits

 

$
129,761 

 

$
220 

 

 
0.34 

%

$
117,535 

 

$
191 

 

 
0.33 

%

Savings deposits

 

 
263,856 

 

 
370 

 

 
0.28 

 

 
282,738 

 

 
340 

 

 
0.24 

 

Time deposits

 

 
209,148 

 

 
1,337 

 

 
1.29 

 

 
123,495 

 

 
1,083 

 

 
1.77 

 

Total interest-bearing deposits

 

 
602,765 

 

 
1,927 

 

 
0.64 

 

 
523,768 

 

 
1,614 

 

 
0.62 

 

Borrowed funds and subordinated debentures

 

 
91,167 

 

 
1,606 

 

 
3.50 

 

 
91,063 

 

 
1,609 

 

 
3.51 

 

Total interest-bearing liabilities

 

$
693,932 

 

$
3,533 

 

 
1.02 

%

$
614,831 

 

$
3,223 

 

 
1.05 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing liabilities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Noninterest-bearing demand deposits

 

 
137,976 

 

 

 

 

 

 

 

 
117,844 

 

 

 

 

 

 

 

Other liabilities

 

 
3,251 

 

 

 

 

 

 

 

 
3,398 

 

 

 

 

 

 

 

Total noninterest-bearing liabilities

 

 
141,227 

 

 

 

 

 

 

 

 
121,242 

 

 

 

 

 

 

 

Total shareholders' equity

 

 
58,641 

 

 

 

 

 

 

 

 
75,208 

 

 

 

 

 

 

 

Total liabilities and shareholders' equity

 

$
893,800 

 

 

 

 

 

 

 

$
811,281 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net interest spread

 

 

 

 

$
14,687 

 

 
3.35 

%

 

 

 

$
13,609 

 

 
3.37 

%

Tax-equivalent basis adjustment

 

 

 

 

 
(94)

 

 

 

 

 

 

 

 
(118)

 

 

 

 

Net interest income

 

 

 

 

$
14,593 

 

 

 

 

 

 

 

$
13,491 

 

 

 

 

Net interest margin

 

 

 

 

 

 

 

 
3.53 

%

 

 

 

 

 

 

 
3.59 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(A)

Yields related to securities exempt from federal and state income taxes are stated on a fully tax-equivalent basis.  They are reduced by the nondeductible portion of interest expense, assuming a federal tax rate of 34 percent and applicable state rates.

(B)

The loan averages are stated net of unearned income, and the averages include loans on which the accrual of interest has been discontinued.

 

UNITY BANCORP, INC.

QUARTERLY ALLOWANCE FOR LOAN LOSSES AND LOAN QUALITY SCHEDULES

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Amounts in thousands, except percentages

 

June 30, 2014

 

March 31, 2014

 

December 31, 2013

 

September 30, 2013

 

June 30, 2013

 

ALLOWANCE FOR LOAN LOSSES:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

 

$
12,807 

 

$
13,141 

 

$
13,550 

 

$
14,309 

 

$
14,345 

 

Provision for loan losses charged to expense

 

 
550 

 

 
600 

 

 
800 

 

 
600 

 

 
300 

 

 

 

 
13,357 

 

 
13,741 

 

 
14,350 

 

 
14,909 

 

 
14,645 

 

Less: Chargeoffs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
199 

 

 
54 

 

 
128 

 

 
211 

 

 
167 

 

SBA 504 loans

 

 

 -

 

 
92 

 

 
203 

 

 
590 

 

 
200 

 

Commercial loans

 

 
134 

 

 
454 

 

 
564 

 

 
253 

 

 
200 

 

Residential mortgage loans

 

 
5 

 

 
172 

 

 
125 

 

 
125 

 

 

 -

 

Consumer loans

 

 
203 

 

 
179 

 

 
300 

 

 
229 

 

 

 -

 

Total chargeoffs

 

 
541 

 

 
951 

 

 
1,320 

 

 
1,408 

 

 
567 

 

Add: Recoveries

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
10 

 

 
8 

 

 
93 

 

 
12 

 

 
8 

 

SBA 504 loans

 

 

 -

 

 

 -

 

 
3 

 

 

 -

 

 
154 

 

Commercial loans

 

 
31 

 

 
9 

 

 
14 

 

 
24 

 

 
65 

 

Residential mortgage loans

 

 

 -

 

 

 -

 

 

 -

 

 
13 

 

 
2 

 

Consumer loans

 

 
1 

 

 

 -

 

 
1 

 

 

 -

 

 
2 

 

Total recoveries

 

 
42 

 

 
17 

 

 
111 

 

 
49 

 

 
231 

 

Net chargeoffs

 

 
499 

 

 
934 

 

 
1,209 

 

 
1,359 

 

 
336 

 

Balance, end of period

 

$
12,858 

 

$
12,807 

 

$
13,141 

 

$
13,550 

 

$
14,309 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

LOAN QUALITY INFORMATION:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming loans (1)

 

$
11,929 

 

$
12,046 

 

$
15,283 

 

$
16,654 

 

$
13,357 

 

Other real estate owned ("OREO")

 

 
1,115 

 

 
2,467 

 

 
633 

 

 
1,249 

 

 
752 

 

Nonperforming assets

 

 
13,044 

 

 
14,513 

 

 
15,916 

 

 
17,903 

 

 
14,109 

 

Less:  Amount guaranteed by SBA

 

 
2,305 

 

 
1,320 

 

 
540 

 

 
592 

 

 
736 

 

Net nonperforming assets

 

$
10,739 

 

$
13,193 

 

$
15,376 

 

$
17,311 

 

$
13,373 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans 90 days past due & still accruing 

 

$

 

 

$
5 

 

$
19 

 

$
861 

 

$
429 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing Troubled Debt Restructurings (TDRs)

 

$
6,965 

 

$
7,363 

 

$
7,452 

 

$
7,705 

 

$
10,649 

 

(1) Nonperforming TDRs included in nonperforming loans

 

 
741 

 

 
448 

 

 
467 

 

 
1,765 

 

 
1,658 

 

Total TDRs

 

$
7,706 

 

$
7,811 

 

$
7,919 

 

$
9,470 

 

$
12,307 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses to:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total loans at quarter end

 

 
1.81 

%

 
1.87 

%

 
1.94 

%

 
2.05 

%

 
2.30 

%

Nonperforming loans (1)

 

 
107.79 

 

 
106.32 

 

 
85.98 

 

 
81.36 

 

 
107.13 

 

Nonperforming assets

 

 
98.57 

 

 
88.25 

 

 
82.56 

 

 
75.69 

 

 
101.42 

 

Net nonperforming assets

 

 
119.73 

 

 
97.07 

 

 
85.46 

 

 
78.27 

 

 
107.00 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

QTD net chargeoffs (annualized) to QTD average loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SBA loans

 

 
1.40 

%

 
0.34 

%

 
0.25 

%

 
1.32 

%

 
1.01 

%

SBA 504 loans

 

 

 -

 

 
1.18 

 

 
2.39 

 

 
6.16 

 

 
0.47 

 

Commercial loans

 

 
0.11 

 

 
0.50 

 

 
0.61 

 

 
0.27 

 

 
0.17 

 

Residential mortgage loans

 

 
0.01 

 

 
0.39 

 

 
0.28 

 

 
0.27 

 

 
(0.01)

 

Consumer loans

 

 
1.70 

 

 
1.58 

 

 
2.60 

 

 
1.99 

 

 
(0.02)

 

Total loans

 

 
0.29 

%

 
0.56 

%

 
0.72 

%

 
0.84 

%

 
0.22 

%

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming loans to total loans

 

 
1.68 

%

 
1.76 

%

 
2.25 

%

 
2.52 

%

 
2.15 

%

Nonperforming loans and TDRs to total loans

 

 
2.67 

 

 
2.84 

 

 
3.35 

 

 
3.69 

 

 
3.86 

 

Nonperforming assets to total loans and OREO

 

 
1.84 

 

 
2.11 

 

 
2.34 

 

 
2.70 

 

 
2.26 

 

Nonperforming assets to total assets

 

 
1.40 

 

 
1.51 

 

 
1.73 

 

 
2.04 

 

 
1.71 

 

 

 

UNITY BANCORP, INC.

QUARTERLY FINANCIAL DATA

June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In thousands, except percentages and per share amounts)

 

June 30, 2014

 

March 31, 2014

 

December 31, 2013

 

September 30, 2013

 

June 30, 2013

 

SUMMARY OF INCOME:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total interest income

 

$
9,102 

 

$
9,023 

 

$
8,766 

 

$
8,474 

 

$
8,401 

 

Total interest expense

 

 
1,797 

 

 
1,736 

 

 
1,703 

 

 
1,603 

 

 
1,599 

 

Net interest income

 

 
7,305 

 

 
7,287 

 

 
7,063 

 

 
6,871 

 

 
6,802 

 

Provision for loan losses

 

 
550 

 

 
600 

 

 
800 

 

 
600 

 

 
300 

 

Net interest income after provision for loan losses

 

 
6,755 

 

 
6,687 

 

 
6,263 

 

 
6,271 

 

 
6,502 

 

Total noninterest income

 

 
1,640 

 

 
1,526 

 

 
1,471 

 

 
1,650 

 

 
1,658 

 

Total noninterest expense

 

 
6,144 

 

 
6,258 

 

 
5,862 

 

 
5,935 

 

 
6,074 

 

Income before provision for income taxes

 

 
2,251 

 

 
1,955 

 

 
1,872 

 

 
1,986 

 

 
2,086 

 

Provision for income taxes

 

 
723 

 

 
662 

 

 
606 

 

 
684 

 

 
739 

 

Net income

 

 
1,528 

 

 
1,293 

 

 
1,266 

 

 
1,302 

 

 
1,347 

 

Preferred stock dividends and discount accretion

 

 

 -

 

 

 -

 

 

 -

 

 
119 

 

 
465 

 

Income available to common shareholders

 

$
1,528 

 

$
1,293 

 

$
1,266 

 

$
1,183 

 

$
882 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Net income per common share - Basic (1)

 

$
0.20 

 

$
0.17 

 

$
0.17 

 

$
0.16 

 

$
0.12 

 

Net income per common share - Diluted (1)

 

$
0.20 

 

$
0.17 

 

$
0.17 

 

$
0.15 

 

$
0.11 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

COMMON SHARE DATA:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Market price per share

 

$
9.28 

 

$
7.95 

 

$
7.66 

 

$
7.46 

 

$
7.10 

 

Dividends paid

 

$
0.02 

 

$
0.02 

 

$
0.01 

 

$
0.01 

 

$
0.01 

 

Book value per common share

 

$
7.95 

 

$
7.74 

 

$
7.55 

 

$
7.41 

 

$
7.70 

 

Weighted average common shares outstanding - Basic

 

 
7,605 

 

 
7,586 

 

 
7,560 

 

 
7,545 

 

 
7,544 

 

Weighted average common shares outstanding - Diluted

 

 
7,690 

 

 
7,654 

 

 
7,618 

 

 
7,822 

 

 
7,911 

 

Issued and outstanding common shares

 

 
7,607 

 

 
7,602 

 

 
7,577 

 

 
7,546 

 

 
7,544 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

OPERATING RATIOS (Annualized):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Return on average assets

 

 
0.68 

%

 
0.59 

%

 
0.57 

%

 
0.62 

%

 
0.67 

%

Return on average equity (2)

 

 
10.31 

 

 
9.06 

 

 
8.87 

 

 
8.25 

 

 
6.11 

 

Efficiency ratio

 

 
70.81 

 

 
71.91 

 

 
68.87 

 

 
69.93 

 

 
72.72 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BALANCE SHEET DATA:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total assets

 

$
932,414 

 

$
961,168 

 

$
921,118 

 

$
876,101 

 

$
824,575 

 

Total deposits

 

 
728,083 

 

 
767,624 

 

 
738,698 

 

 
727,112 

 

 
628,369 

 

Total loans

 

 
708,889 

 

 
683,951 

 

 
678,701 

 

 
660,617 

 

 
622,316 

 

Total securities

 

 
90,470 

 

 
109,459 

 

 
107,514 

 

 
106,906 

 

 
111,269 

 

Total shareholders' equity

 

 
60,477 

 

 
58,810 

 

 
57,173 

 

 
55,939 

 

 
68,287 

 

Allowance for loan losses

 

 
(12,858)

 

 
(12,807)

 

 
(13,141)

 

 
(13,550)

 

 
(14,309)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TAX EQUIVALENT YIELDS AND RATES:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-earning assets

 

 
4.34 

%

 
4.39 

%

 
4.25 

%

 
4.36 

%

 
4.51 

%

Interest-bearing liabilities

 

 
1.03 

 

 
1.01 

 

 
0.99 

 

 
0.99 

 

 
1.06 

 

Net interest spread

 

 
3.31 

 

 
3.38 

 

 
3.26 

 

 
3.37 

 

 
3.45 

 

Net interest margin

 

 
3.49 

 

 
3.57 

 

 
3.42 

 

 
3.53 

 

 
3.66 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CREDIT QUALITY:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nonperforming assets

 

 
13,044 

 

 
14,513 

 

 
15,916 

 

 
17,903 

 

 
14,109 

 

QTD net chargeoffs (annualized) to QTD average loans

 

 
0.29 

%

 
0.56 

%

 
0.72 

%

 
0.84 

%

 
0.22 

%

Allowance for loan losses to total loans

 

 
1.81 

 

 
1.87 

 

 
1.94 

 

 
2.05 

 

 
2.30 

 

Nonperforming assets to total loans and OREO

 

 
1.84 

 

 
2.11 

 

 
2.34 

 

 
2.70 

 

 
2.26 

 

Nonperforming assets to total assets

 

 
1.40 

 

 
1.51 

 

 
1.73 

 

 
2.04 

 

 
1.71 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CAPITAL RATIOS AND OTHER:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total equity to total assets

 

 
6.49 

%

 
6.12 

%

 
6.21 

%

 
6.38 

%

 
8.28 

%

Leverage ratio

 

 
8.24 

 

 
8.19 

 

 
8.08 

 

 
8.33 

 

 
10.23 

 

Tier 1 risk-based capital ratio

 

 
10.86 

 

 
10.77 

 

 
10.74 

 

 
10.81 

 

 
13.36 

 

Total risk-based capital ratio

 

 
12.12 

 

 
12.03 

 

 
11.99 

 

 
12.07 

 

 
14.63 

 

Number of banking offices

 

 
15 

 

 
15 

 

 
15 

 

 
15 

 

 
15 

 

Number of ATMs

 

 
16 

 

 
16 

 

 
16 

 

 
16 

 

 
16 

 

Number of employees

 

 
171 

 

 
162 

 

 
163 

 

 
160 

 

 
153 

 

1)

Defined as net income adjusted for dividends accrued and accretion of discount on perpetual preferred stock divided by weighted average shares outstanding.

2)

Defined as net income adjusted for dividends accrued and accretion of discount on perpetual preferred stock divided by average shareholders' equity (excluding preferred stock).

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