Call reports 2024
UNITY BANK OF MISSISSIPPI — 2024
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 286,920,000 | 281,035,000 | 289,629,000 | 289,929,000 |
| Total loans | 133,906,000 | 144,958,000 | 150,329,000 | 149,873,000 |
| Allowance for loan losses | 2,192,000 | 2,246,000 | 2,236,000 | 2,215,000 |
| Securities available for sale | 66,708,000 | 65,112,000 | 65,869,000 | 62,599,000 |
| Securities held to maturity | 49,241,000 | 48,968,000 | 48,730,000 | 48,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,666,000 | 240,561,000 | 231,634,000 | 230,803,000 |
| Interest-bearing deposits | 193,389,000 | 183,699,000 | 177,592,000 | 176,755,000 |
| Noninterest-bearing deposits | 61,277,000 | 56,862,000 | 54,042,000 | 54,048,000 |
| Equity capital | 15,884,000 | 15,967,000 | 18,122,000 | 16,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,113,000 | 6,319,000 | 9,635,000 | 13,022,000 |
| Interest expense | 1,338,000 | 2,849,000 | 4,565,000 | 6,298,000 |
| Net interest income | 1,775,000 | 3,470,000 | 5,070,000 | 6,724,000 |
| Noninterest income | 412,000 | 855,000 | 1,249,000 | 1,927,000 |
| Noninterest expense | 1,981,000 | 3,899,000 | 5,743,000 | 7,884,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 206,000 | 426,000 | 576,000 | 732,000 |
| Income tax | 43,000 | -24,000 | -79,000 | -109,000 |
| Net income | 163,000 | 450,000 | 655,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,598,000 | 29,905,000 | 30,130,000 | 30,337,000 |
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