Call reports 2022
UNITY BANK OF MISSISSIPPI — 2022
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 283,437,000 | 277,960,000 | 278,123,000 | 286,316,000 |
| Total loans | 102,074,000 | 109,498,000 | 113,068,000 | 113,985,000 |
| Allowance for loan losses | 884,000 | 952,000 | 1,016,000 | 1,062,000 |
| Securities available for sale | 122,792,000 | 121,825,000 | 70,701,000 | 71,970,000 |
| Securities held to maturity | 0 | 0 | 50,888,000 | 50,546,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,591,000 | 259,375,000 | 260,673,000 | 266,540,000 |
| Interest-bearing deposits | 194,510,000 | 194,790,000 | 195,134,000 | 201,010,000 |
| Noninterest-bearing deposits | 64,081,000 | 64,585,000 | 65,539,000 | 65,530,000 |
| Equity capital | 20,134,000 | 13,617,000 | 12,210,000 | 14,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,017,000 | 4,220,000 | 6,574,000 | 8,970,000 |
| Interest expense | 159,000 | 323,000 | 496,000 | 753,000 |
| Net interest income | 1,858,000 | 3,897,000 | 6,078,000 | 8,217,000 |
| Noninterest income | 341,000 | 859,000 | 1,509,000 | 1,929,000 |
| Noninterest expense | 1,806,000 | 3,653,000 | 5,545,000 | 7,544,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 318,000 | 953,000 | 1,817,000 | 2,302,000 |
| Income tax | 61,000 | 148,000 | 313,000 | 410,000 |
| Net income | 257,000 | 805,000 | 1,504,000 | 1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,302,000 | 28,853,000 | 29,562,000 | 29,838,000 |
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