Call reports 2002
UNITY NATIONAL BANK OF HOUSTON — 2002
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 54,773,000 | 56,480,000 | 58,997,000 | 57,440,000 |
| Total loans | 36,437,000 | 37,356,000 | 37,989,000 | 39,767,000 |
| Allowance for loan losses | 404,000 | 430,000 | 417,000 | 423,000 |
| Securities available for sale | 4,280,000 | 2,733,000 | 2,702,000 | 2,649,000 |
| Securities held to maturity | 1,082,000 | 1,082,000 | 1,083,000 | 1,615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,134,000 | 44,855,000 | 47,312,000 | 47,106,000 |
| Interest-bearing deposits | 31,572,000 | 32,775,000 | 34,404,000 | 34,478,000 |
| Noninterest-bearing deposits | 11,562,000 | 12,080,000 | 12,908,000 | 12,628,000 |
| Equity capital | 4,468,000 | 4,474,000 | 4,492,000 | 4,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,865,000 | 2,781,000 | 3,688,000 |
| Interest expense | 272,000 | 529,000 | 790,000 | 1,044,000 |
| Net interest income | 641,000 | 1,336,000 | 1,991,000 | 2,644,000 |
| Noninterest income | 331,000 | 637,000 | 980,000 | 1,760,000 |
| Noninterest expense | 822,000 | 1,698,000 | 2,602,000 | 3,494,000 |
| Provision for loan losses | 40,000 | 78,000 | 118,000 | 158,000 |
| Pretax income | 110,000 | 197,000 | 251,000 | 752,000 |
| Income tax | 31,000 | 56,000 | 69,000 | 236,000 |
| Net income | 79,000 | 141,000 | 182,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,425,000 | 4,433,000 | 4,430,000 | 4,702,000 |
| Total capital | 4,829,000 | 4,863,000 | 4,858,000 | 5,149,000 |
| Risk-weighted assets | 36,423,000 | 37,519,000 | 38,253,000 | 39,221,000 |