Attached files
| file | filename |
|---|---|
| EX-24.1 - EXHIBIT 24.1 - UNITY BANCORP INC /NJ/ | exhibit241.htm |
| EX-23.1 - EXHIBIT 23.1 - UNITY BANCORP INC /NJ/ | exhibit231.htm |
| EX-5.1 - EXHIBIT 5.1 - UNITY BANCORP INC /NJ/ | exhibit51.htm |
| EX-4.7 - EXHIBIT 4.7 - UNITY BANCORP INC /NJ/ | exhibit47.htm |
| EX-4.6 - EXHIBIT 4.6 - UNITY BANCORP INC /NJ/ | exhibit46.htm |
| S-1 - S-1 - UNITY BANCORP INC /NJ/ | s-1.htm |
STATEMENT OF RATIOS OF EARNINGS TO FIXED CHARGES
Amounts in thousands, except ratios | Six months ended June 30, | Year ended December 31, | ||||||||||||||||||||||
Earnings: | 2016 | 2015 | 2015 | 2014 | 2013 | 2012 | 2011 | |||||||||||||||||
1 | Income before income taxes | $ | 10,907 | $ | 6,569 | $ | 14,367 | $ | 9,553 | $ | 7,682 | $ | 6,469 | $ | 3,315 | |||||||||
2 | Plus: Interest expense | 4,334 | 3,713 | 7,660 | 7,306 | 6,529 | 7,774 | 10,551 | ||||||||||||||||
3 | Earnings including interest on deposits | 15,241 | 10,282 | 22,027 | 16,859 | 14,211 | 14,243 | 13,866 | ||||||||||||||||
4 | Less: Interest on deposits | 2,913 | 2,155 | 4,686 | 4,063 | 3,284 | 4,467 | 6,840 | ||||||||||||||||
5 | Earnings excluding interest on deposits | $ | 12,328 | $ | 8,127 | $ | 17,341 | $ | 12,796 | $ | 10,927 | $ | 9,776 | $ | 7,026 | |||||||||
Fixed Charges: | ||||||||||||||||||||||||
6 | Interest expense (line 2) | 4,334 | 3,713 | 7,660 | 7,306 | 6,529 | 7,774 | 10,551 | ||||||||||||||||
7 | Less: Interest expense on deposits (line 4) | 2,913 | 2,155 | 4,686 | 4,063 | 3,284 | 4,467 | 6,840 | ||||||||||||||||
8 | Excluding interest on deposits | $ | 1,421 | $ | 1,558 | $ | 2,974 | $ | 3,243 | $ | 3,245 | $ | 3,307 | $ | 3,711 | |||||||||
Ratio of Earnings to Fixed Charges: | ||||||||||||||||||||||||
Including interest on deposits (Item 3/Item 6) | 3.52 | 2.77 | 2.88 | 2.31 | 2.18 | 1.83 | 1.31 | |||||||||||||||||
Excluding interest on deposits (Item 5/Item 8) | 8.68 | 5.22 | 5.83 | 3.95 | 3.37 | 2.96 | 1.89 | |||||||||||||||||