Call reports 2015
UNITY BANK OF MISSISSIPPI — 2015
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 94,340,000 | 92,269,000 | 91,741,000 | 94,325,000 |
| Total loans | 36,853,000 | 37,122,000 | 40,395,000 | 39,381,000 |
| Allowance for loan losses | 559,000 | 552,000 | 557,000 | 562,000 |
| Securities available for sale | 33,771,000 | 32,507,000 | 32,470,000 | 33,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,625,000 | 81,350,000 | 80,118,000 | 82,833,000 |
| Interest-bearing deposits | 67,508,000 | 66,618,000 | 66,484,000 | 67,260,000 |
| Noninterest-bearing deposits | 15,117,000 | 14,732,000 | 13,635,000 | 15,573,000 |
| Equity capital | 10,439,000 | 9,585,000 | 10,211,000 | 10,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 744,000 | 1,512,000 | 2,333,000 | 3,163,000 |
| Interest expense | 88,000 | 177,000 | 268,000 | 359,000 |
| Net interest income | 656,000 | 1,335,000 | 2,065,000 | 2,804,000 |
| Noninterest income | 287,000 | 552,000 | 831,000 | 1,084,000 |
| Noninterest expense | 863,000 | 1,735,000 | 2,589,000 | 3,350,000 |
| Provision for loan losses | 30,000 | 40,000 | 60,000 | 80,000 |
| Pretax income | 50,000 | 185,000 | 320,000 | 531,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 50,000 | 185,000 | 320,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,924,000 | 10,028,000 | 10,164,000 | 10,140,000 |
| Total capital | 10,483,000 | 10,580,000 | 10,721,000 | 10,702,000 |
| Risk-weighted assets | 46,319,000 | 47,710,000 | 49,577,000 | 48,586,000 |