Call reports 2013
UNITY BANK OF MISSISSIPPI — 2013
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 93,974,000 | 91,188,000 | 90,507,000 | 89,506,000 |
| Total loans | 37,504,000 | 37,861,000 | 38,187,000 | 38,972,000 |
| Allowance for loan losses | 570,000 | 567,000 | 529,000 | 527,000 |
| Securities available for sale | 29,872,000 | 29,876,000 | 28,900,000 | 31,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,958,000 | 81,439,000 | 80,804,000 | 79,923,000 |
| Interest-bearing deposits | 67,457,000 | 66,087,000 | 65,432,000 | 64,867,000 |
| Noninterest-bearing deposits | 15,501,000 | 15,352,000 | 15,372,000 | 15,056,000 |
| Equity capital | 9,843,000 | 8,472,000 | 8,336,000 | 8,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,582,000 | 2,390,000 | 3,202,000 |
| Interest expense | 110,000 | 216,000 | 317,000 | 414,000 |
| Net interest income | 654,000 | 1,366,000 | 2,073,000 | 2,788,000 |
| Noninterest income | 171,000 | 405,000 | 564,000 | 726,000 |
| Noninterest expense | 763,000 | 1,611,000 | 2,413,000 | 3,111,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 65,000 |
| Pretax income | 82,000 | 230,000 | 298,000 | 443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 230,000 | 298,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,303,000 | 9,326,000 | 9,393,000 | 9,564,000 |
| Total capital | 9,848,000 | 9,884,000 | 9,922,000 | 10,091,000 |
| Risk-weighted assets | 43,570,000 | 44,667,000 | 45,370,000 | 47,197,000 |
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