Call reports 2020
UNITY BANK OF MISSISSIPPI — 2020
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 109,218,000 | 114,085,000 | 115,914,000 | 117,022,000 |
| Total loans | 44,834,000 | 50,418,000 | 52,582,000 | 50,216,000 |
| Allowance for loan losses | 630,000 | 653,000 | 315,000 | 408,000 |
| Securities available for sale | 46,686,000 | 46,725,000 | 46,533,000 | 47,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,077,000 | 97,167,000 | 99,140,000 | 100,943,000 |
| Interest-bearing deposits | 70,883,000 | 71,687,000 | 74,356,000 | 74,356,000 |
| Noninterest-bearing deposits | 21,194,000 | 25,480,000 | 24,784,000 | 26,587,000 |
| Equity capital | 12,652,000 | 12,642,000 | 12,463,000 | 12,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,071,000 | 3,118,000 | 4,096,000 |
| Interest expense | 180,000 | 339,000 | 483,000 | 608,000 |
| Net interest income | 912,000 | 1,732,000 | 2,635,000 | 3,488,000 |
| Noninterest income | 294,000 | 446,000 | 610,000 | 976,000 |
| Noninterest expense | 988,000 | 1,988,000 | 3,062,000 | 3,993,000 |
| Provision for loan losses | 72,000 | 95,000 | 125,000 | 172,000 |
| Pretax income | 178,000 | 260,000 | 312,000 | 580,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 178,000 | 260,000 | 312,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,590,000 | 11,671,000 | 11,723,000 | 11,617,000 |