Call reports 2025
UNITY BANK OF MISSISSIPPI — 2025
What UNITY BANK OF MISSISSIPPI reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 291,083,000 | 285,274,000 | 292,435,000 | 286,717,000 |
| Total loans | 150,082,000 | 153,269,000 | 156,181,000 | 155,294,000 |
| Allowance for loan losses | 2,217,000 | 2,209,000 | 2,186,000 | 2,179,000 |
| Securities available for sale | 61,738,000 | 60,857,000 | 58,917,000 | 58,180,000 |
| Securities held to maturity | 48,036,000 | 47,673,000 | 47,427,000 | 46,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,925,000 | 259,791,000 | 251,252,000 | 252,076,000 |
| Interest-bearing deposits | 216,127,000 | 205,064,000 | 196,325,000 | 195,470,000 |
| Noninterest-bearing deposits | 54,798,000 | 54,727,000 | 54,927,000 | 56,606,000 |
| Equity capital | 16,572,000 | 16,756,000 | 18,165,000 | 19,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,385,000 | 6,788,000 | 10,222,000 | 13,680,000 |
| Interest expense | 1,745,000 | 3,393,000 | 5,049,000 | 6,666,000 |
| Net interest income | 1,640,000 | 3,395,000 | 5,173,000 | 7,014,000 |
| Noninterest income | 361,000 | 716,000 | 1,088,000 | 1,499,000 |
| Noninterest expense | 2,051,000 | 4,109,000 | 6,210,000 | 8,360,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -50,000 | 2,000 | 51,000 | 153,000 |
| Income tax | -153,000 | -208,000 | -263,000 | -305,000 |
| Net income | 103,000 | 210,000 | 314,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,125,000 | 30,252,000 | 30,376,000 | 30,541,000 |