Unity Bancorp (UNTY) 8-K Financial statements and exhibits

Exhibit 99.2

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[GRAPHIC] 2004
Annual
Shareholders’
Meeting

Unity Footprint

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2003 Accomplishments

•Unity recorded record profits - $4.6 million, ROE 16.05%

•8th consecutive year of SBA awards

•Leader among NJ mid-sized banks

•#1 participating lender in the SBA 504 program

•Silver Award from the SBA

•Opened 13th Branch location ($8.5 million as of 4/30/04)

•Commencement of dividends - $0.16 annualized cash dividend

Performance Ratios

	2002			2003			3/31/2004
Earnings Per Diluted Share	$	0.63		$	0.81		$	0.21
Return on Assets	0.91		%	1.04		%	1.04		%
Return on Common Equity	13.95		%	16.05		%	15.32		%
Efficiency Ratio	66.18		%	66.59		%	68.31		%

Total Assets

In millions

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Total Loans

In millions

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Loans by Type

In millions

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Non-performing Assets
Allowance for Loan Losses

In millions

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Credit Quality &
Net Charge-Offs

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Total Deposits

In millions

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Deposits

In millions

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Business of the Month

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Kids Corner

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Café Unity

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Shareholders’ Equity

In millions

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Capital Ratios

In millions

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Statement of Operations

In thousands

	Year end December 31,										Q1
	2000			2001			2002		2003		3/31/2004
Net interest income	$	11,695		$	12,190		$	15,723	$	17,867	$	4,618
Provision for loan losses	716			1,400			2,350		1,600		250
Non-interest income	7,666			5,391			7,991		8,343		1,881
Non-interest expense	23,718			14,522			15,544		17,329		4,403
Net income (loss) before tax	(5,073		)	1,659			5,820		7,281		1,846
Tax expense (benefit)	839			(382		)	2,111		2,698		652
Net income (loss)	$	(5,912	)	$	2,041		$	3,709	$	4,583	$	1,194

Net Interest Income

In millions

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Net Interest Margin

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Non-interest Income

In thousands

	12/31/00		12/31/01		12/31/02		12/31/03		03/31/04
Deposit Svc Charges	$	1,174	$	1,262	$	1,547	$	1,977	$	406
Loan and servicing fees	1,140		1,261		1,497		1,956		471
Sale of SBA loans	1,182		2,014		3,627		3,075		738
Other income	690		697		1,092		1,150		213
Branch Sales	3,477		—		—		—		—
Gain on sale of securities	3		157		228		185		53
Total non-interest income	7,666		5,391		7,991		8,343		1,881

Non-interest Expense

In thousands

	12/31/00		12/31/01		12/31/02		12/31/03		03/31/04
Comp. and benefits	$	9,120	$	6,815	$	7,496	$	8,301	$	2,239
Occupancy	2,230		1,648		1,671		1,884		529
Processing and comm.	1,262		1,093		1,139		1,120		252
Item Processing	1,052		978		1,097		981		221
Furniture and equipment	1,369		1,100		1,075		1,061		263
Professional fees	1,004		690		668		1,541		231
Deposit insurance	311		501		161		62		15
Loan servicing costs	1,074		269		436		650		180
Other expenses	6,297		1,428		1,801		1,729		473
Total non-int expense	23,718		14,522		15,544		17,329		4,403

Stock Price

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