Call reports 2024
COMMUNITY UNITY BANK — 2024
What COMMUNITY UNITY BANK 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 | 37,508,000 | 48,600,000 | 51,726,000 | 64,276,000 |
| Total loans | 13,088,000 | 24,611,000 | 29,603,000 | 39,433,000 |
| Allowance for loan losses | 163,000 | 307,000 | 369,000 | 493,000 |
| Securities available for sale | 11,609,000 | 11,623,000 | 11,115,000 | 11,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,121,000 | 23,772,000 | 27,260,000 | 40,698,000 |
| Interest-bearing deposits | 11,608,000 | 22,422,000 | 25,088,000 | 37,353,000 |
| Noninterest-bearing deposits | 513,000 | 1,350,000 | 2,172,000 | 3,345,000 |
| Equity capital | 24,054,000 | 23,371,000 | 22,913,000 | 22,074,000 |
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 | 462,000 | 1,120,000 | 1,870,000 | 2,723,000 |
| Interest expense | 85,000 | 306,000 | 586,000 | 928,000 |
| Net interest income | 377,000 | 814,000 | 1,284,000 | 1,795,000 |
| Noninterest income | 7,000 | 15,000 | 20,000 | 39,000 |
| Noninterest expense | 798,000 | 1,676,000 | 2,913,000 | 3,987,000 |
| Provision for loan losses | 90,000 | 233,000 | 296,000 | 420,000 |
| Pretax income | -507,000 | -1,087,000 | -1,920,000 | -2,579,000 |
| Income tax | 0 | 77,000 | 90,000 | 104,000 |
| Net income | -507,000 | -1,164,000 | -2,010,000 | -2,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,046,000 | 23,390,000 | 22,755,000 | 22,089,000 |
| Total capital | 24,212,000 | 23,693,000 | 23,078,000 | 22,567,000 |
| Risk-weighted assets | 14,778,000 | 24,250,000 | 25,786,000 | 38,235,000 |