Call reports 2019
UNITY BANK OF MISSISSIPPI — 2019
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 105,345,000 | 101,945,000 | 102,722,000 | 102,939,000 |
| Total loans | 45,514,000 | 45,924,000 | 45,745,000 | 44,868,000 |
| Allowance for loan losses | 706,000 | 602,000 | 594,000 | 614,000 |
| Securities available for sale | 40,728,000 | 40,499,000 | 43,220,000 | 43,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,852,000 | 86,764,000 | 87,090,000 | 88,531,000 |
| Interest-bearing deposits | 69,574,000 | 67,213,000 | 68,074,000 | 67,513,000 |
| Noninterest-bearing deposits | 21,278,000 | 19,551,000 | 19,016,000 | 21,018,000 |
| Equity capital | 11,150,000 | 11,713,000 | 12,070,000 | 11,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,022,000 | 2,078,000 | 3,128,000 | 4,163,000 |
| Interest expense | 183,000 | 371,000 | 569,000 | 761,000 |
| Net interest income | 839,000 | 1,707,000 | 2,559,000 | 3,402,000 |
| Noninterest income | 444,000 | 638,000 | 816,000 | 1,290,000 |
| Noninterest expense | 927,000 | 1,866,000 | 2,845,000 | 3,795,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 359,000 | 464,000 | 501,000 | 845,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 359,000 | 464,000 | 501,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,425,000 | 11,530,000 | 11,567,000 | 11,411,000 |
| Total capital | 12,131,000 | 12,132,000 | 12,161,000 | 12,025,000 |
| Risk-weighted assets | 58,617,000 | 59,814,000 | 59,573,000 | 58,251,000 |
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