Call reports 2017
UNITY BANK OF MISSISSIPPI — 2017
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 100,549,000 | 99,315,000 | 99,074,000 | 98,310,000 |
| Total loans | 44,424,000 | 45,245,000 | 45,971,000 | 45,911,000 |
| Allowance for loan losses | 615,000 | 623,000 | 631,000 | 716,000 |
| Securities available for sale | 31,083,000 | 34,280,000 | 34,212,000 | 37,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,714,000 | 87,020,000 | 86,647,000 | 86,671,000 |
| Interest-bearing deposits | 70,270,000 | 69,165,000 | 67,794,000 | 66,748,000 |
| Noninterest-bearing deposits | 18,444,000 | 17,855,000 | 18,853,000 | 19,923,000 |
| Equity capital | 10,463,000 | 10,869,000 | 10,922,000 | 10,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 828,000 | 1,691,000 | 2,584,000 | 3,488,000 |
| Interest expense | 98,000 | 199,000 | 296,000 | 399,000 |
| Net interest income | 730,000 | 1,492,000 | 2,288,000 | 3,089,000 |
| Noninterest income | 1,038,000 | 1,291,000 | 1,528,000 | 1,785,000 |
| Noninterest expense | 854,000 | 1,721,000 | 2,603,000 | 3,531,000 |
| Provision for loan losses | 65,000 | 88,000 | 110,000 | 215,000 |
| Pretax income | 833,000 | 958,000 | 1,091,000 | 934,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 833,000 | 958,000 | 1,091,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,049,000 | 10,949,000 | 11,081,000 | 10,649,000 |
| Total capital | 11,664,000 | 11,572,000 | 11,712,000 | 11,358,000 |
| Risk-weighted assets | 53,234,000 | 54,366,000 | 55,958,000 | 56,745,000 |