Call reports 2021
UNITY BANK OF MISSISSIPPI — 2021
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 124,547,000 | 128,411,000 | 269,948,000 | 276,768,000 |
| Total loans | 48,916,000 | 48,833,000 | 109,542,000 | 105,556,000 |
| Allowance for loan losses | 447,000 | 473,000 | 813,000 | 825,000 |
| Securities available for sale | 49,220,000 | 53,348,000 | 97,449,000 | 112,547,000 |
| Securities held to maturity | 0 | 0 | 125,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,728,000 | 113,240,000 | 234,340,000 | 241,382,000 |
| Interest-bearing deposits | 80,960,000 | 82,743,000 | 174,811,000 | 178,165,000 |
| Noninterest-bearing deposits | 28,768,000 | 30,497,000 | 59,529,000 | 63,217,000 |
| Equity capital | 11,251,000 | 11,603,000 | 29,736,000 | 29,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,967,000 | 3,417,000 | 5,367,000 |
| Interest expense | 107,000 | 208,000 | 322,000 | 456,000 |
| Net interest income | 875,000 | 1,759,000 | 3,095,000 | 4,911,000 |
| Noninterest income | 189,000 | 86,000 | 467,000 | 809,000 |
| Noninterest expense | 1,099,000 | 2,172,000 | 3,882,000 | 6,265,000 |
| Provision for loan losses | 44,000 | 74,000 | 250,000 | 250,000 |
| Pretax income | 57,000 | -266,000 | -570,000 | -787,000 |
| Income tax | 0 | 0 | 100,000 | 40,000 |
| Net income | 57,000 | -266,000 | -670,000 | -827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,673,000 | 11,351,000 | 29,389,000 | 28,441,000 |