Call reports 2018
UNITY BANK OF MISSISSIPPI — 2018
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 99,006,000 | 101,531,000 | 100,799,000 | 101,277,000 |
| Total loans | 44,941,000 | 47,470,000 | 47,354,000 | 44,350,000 |
| Allowance for loan losses | 723,000 | 735,000 | 736,000 | 708,000 |
| Securities available for sale | 38,443,000 | 41,559,000 | 41,991,000 | 42,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,976,000 | 88,587,000 | 87,944,000 | 88,045,000 |
| Interest-bearing deposits | 69,006,000 | 69,706,000 | 67,302,000 | 67,173,000 |
| Noninterest-bearing deposits | 18,970,000 | 18,881,000 | 20,642,000 | 20,872,000 |
| Equity capital | 9,566,000 | 9,561,000 | 9,407,000 | 9,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,938,000 | 2,970,000 | 4,064,000 |
| Interest expense | 116,000 | 253,000 | 409,000 | 577,000 |
| Net interest income | 841,000 | 1,685,000 | 2,561,000 | 3,487,000 |
| Noninterest income | 232,000 | 458,000 | 906,000 | 1,149,000 |
| Noninterest expense | 914,000 | 1,811,000 | 2,729,000 | 3,629,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 136,000 | 282,000 | 652,000 | 792,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 282,000 | 652,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,785,000 | 10,931,000 | 11,301,000 | 11,066,000 |
| Total capital | 11,482,000 | 11,666,000 | 12,037,000 | 11,774,000 |
| Risk-weighted assets | 55,709,000 | 59,203,000 | 59,660,000 | 56,896,000 |