Call reports 2016
UNITY BANK OF MISSISSIPPI — 2016
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 98,651,000 | 96,967,000 | 96,274,000 | 95,432,000 |
| Total loans | 39,722,000 | 41,663,000 | 42,392,000 | 42,943,000 |
| Allowance for loan losses | 580,000 | 557,000 | 553,000 | 556,000 |
| Securities available for sale | 34,410,000 | 33,933,000 | 36,557,000 | 35,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,744,000 | 84,744,000 | 83,844,000 | 84,627,000 |
| Interest-bearing deposits | 69,084,000 | 67,951,000 | 67,202,000 | 67,101,000 |
| Noninterest-bearing deposits | 17,660,000 | 16,793,000 | 16,642,000 | 17,526,000 |
| Equity capital | 10,562,000 | 10,844,000 | 10,980,000 | 9,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 815,000 | 1,607,000 | 2,443,000 | 3,309,000 |
| Interest expense | 92,000 | 185,000 | 279,000 | 372,000 |
| Net interest income | 723,000 | 1,422,000 | 2,164,000 | 2,937,000 |
| Noninterest income | 240,000 | 472,000 | 740,000 | 1,011,000 |
| Noninterest expense | 850,000 | 1,733,000 | 2,658,000 | 3,490,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 143,000 | 202,000 | 334,000 | 525,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 202,000 | 334,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,283,000 | 10,282,000 | 10,414,000 | 10,365,000 |
| Total capital | 10,863,000 | 10,839,000 | 10,967,000 | 10,921,000 |
| Risk-weighted assets | 49,727,000 | 52,669,000 | 52,569,000 | 52,772,000 |