Call reports 2014
UNITY BANK OF MISSISSIPPI — 2014
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 92,547,000 | 91,930,000 | 91,764,000 | 90,420,000 |
| Total loans | 39,524,000 | 40,515,000 | 41,357,000 | 38,918,000 |
| Allowance for loan losses | 570,000 | 578,000 | 624,000 | 579,000 |
| Securities available for sale | 31,365,000 | 33,791,000 | 33,463,000 | 33,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,462,000 | 81,218,000 | 80,667,000 | 79,018,000 |
| Interest-bearing deposits | 67,367,000 | 66,655,000 | 66,124,000 | 64,638,000 |
| Noninterest-bearing deposits | 15,096,000 | 14,563,000 | 14,543,000 | 14,380,000 |
| Equity capital | 8,882,000 | 9,437,000 | 9,754,000 | 10,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 817,000 | 1,697,000 | 2,602,000 | 3,410,000 |
| Interest expense | 96,000 | 193,000 | 289,000 | 381,000 |
| Net interest income | 721,000 | 1,504,000 | 2,313,000 | 3,029,000 |
| Noninterest income | 275,000 | 586,000 | 895,000 | 1,171,000 |
| Noninterest expense | 809,000 | 1,678,000 | 2,566,000 | 3,378,000 |
| Provision for loan losses | 56,000 | 76,000 | 171,000 | 191,000 |
| Pretax income | 131,000 | 337,000 | 479,000 | 640,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 131,000 | 337,000 | 479,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,695,000 | 9,776,000 | 9,918,000 | 9,874,000 |
| Total capital | 10,265,000 | 10,354,000 | 10,532,000 | 10,451,000 |
| Risk-weighted assets | 47,338,000 | 48,137,000 | 49,080,000 | 46,138,000 |
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