Call reports 2012
UNITY BANK OF MISSISSIPPI — 2012
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,621,000 | 89,385,000 | 91,143,000 | 90,218,000 |
| Total loans | 40,259,000 | 40,952,000 | 39,451,000 | 37,737,000 |
| Allowance for loan losses | 545,000 | 601,000 | 559,000 | 656,000 |
| Securities available for sale | 25,446,000 | 25,806,000 | 26,727,000 | 27,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,826,000 | 78,361,000 | 79,596,000 | 79,143,000 |
| Interest-bearing deposits | 65,233,000 | 63,399,000 | 65,398,000 | 64,367,000 |
| Noninterest-bearing deposits | 13,592,000 | 14,962,000 | 14,198,000 | 14,776,000 |
| Equity capital | 9,598,000 | 9,881,000 | 10,322,000 | 9,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,721,000 | 2,595,000 | 3,404,000 |
| Interest expense | 127,000 | 250,000 | 375,000 | 495,000 |
| Net interest income | 747,000 | 1,471,000 | 2,220,000 | 2,909,000 |
| Noninterest income | 245,000 | 509,000 | 1,068,000 | 1,312,000 |
| Noninterest expense | 799,000 | 1,585,000 | 2,448,000 | 3,204,000 |
| Provision for loan losses | 15,000 | 118,000 | 301,000 | 438,000 |
| Pretax income | 178,000 | 277,000 | 539,000 | 620,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 277,000 | 539,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,109,000 | 9,083,000 | 9,345,000 | 9,221,000 |
| Total capital | 9,654,000 | 9,656,000 | 9,904,000 | 9,759,000 |
| Risk-weighted assets | 45,078,000 | 45,779,000 | 45,197,000 | 42,959,000 |
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