Call reports 2023
UNITY BANK OF MISSISSIPPI — 2023
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 291,174,000 | 283,617,000 | 270,090,000 | 278,625,000 |
| Total loans | 115,892,000 | 121,573,000 | 127,669,000 | 129,041,000 |
| Allowance for loan losses | 2,350,000 | 2,347,000 | 2,223,000 | 2,199,000 |
| Securities available for sale | 72,441,000 | 69,885,000 | 63,462,000 | 67,805,000 |
| Securities held to maturity | 50,357,000 | 50,065,000 | 49,794,000 | 49,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,248,000 | 262,933,000 | 251,269,000 | 245,174,000 |
| Interest-bearing deposits | 207,030,000 | 195,263,000 | 188,544,000 | 182,185,000 |
| Noninterest-bearing deposits | 64,218,000 | 67,670,000 | 62,725,000 | 62,989,000 |
| Equity capital | 14,330,000 | 14,378,000 | 12,108,000 | 17,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,400,000 | 8,179,000 | 11,032,000 |
| Interest expense | 616,000 | 1,343,000 | 2,195,000 | 3,119,000 |
| Net interest income | 2,025,000 | 4,057,000 | 5,984,000 | 7,913,000 |
| Noninterest income | 379,000 | 1,373,000 | 2,218,000 | 3,569,000 |
| Noninterest expense | 1,948,000 | 3,980,000 | 6,026,000 | 8,148,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 456,000 | 1,442,000 | 2,168,000 | 2,934,000 |
| Income tax | 96,000 | 303,000 | 457,000 | 615,000 |
| Net income | 360,000 | 1,139,000 | 1,711,000 | 2,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,295,000 | 29,094,000 | 29,687,000 | 30,313,000 |
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