Call reports 2003
UNITY NATIONAL BANK OF HOUSTON — 2003
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,970,000 | 58,478,000 | 56,490,000 | 55,888,000 |
| Total loans | 40,255,000 | 43,655,000 | 41,983,000 | 42,990,000 |
| Allowance for loan losses | 435,000 | 548,000 | 574,000 | 856,000 |
| Securities available for sale | 2,078,000 | 1,989,000 | 2,415,000 | 2,332,000 |
| Securities held to maturity | 1,615,000 | 1,615,000 | 1,616,000 | 1,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,544,000 | 49,039,000 | 46,985,000 | 46,552,000 |
| Interest-bearing deposits | 35,191,000 | 34,727,000 | 33,079,000 | 34,032,000 |
| Noninterest-bearing deposits | 14,353,000 | 14,312,000 | 13,906,000 | 12,520,000 |
| Equity capital | 4,783,000 | 4,791,000 | 4,857,000 | 4,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,879,000 | 2,808,000 | 3,681,000 |
| Interest expense | 205,000 | 404,000 | 574,000 | 733,000 |
| Net interest income | 701,000 | 1,475,000 | 2,234,000 | 2,948,000 |
| Noninterest income | 350,000 | 710,000 | 1,089,000 | 1,546,000 |
| Noninterest expense | 890,000 | 1,798,000 | 2,705,000 | 3,549,000 |
| Provision for loan losses | 39,000 | 153,000 | 198,000 | 493,000 |
| Pretax income | 122,000 | 234,000 | 420,000 | 452,000 |
| Income tax | 35,000 | 66,000 | 112,000 | 103,000 |
| Net income | 87,000 | 168,000 | 308,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,729,000 | 4,748,000 | 4,836,000 | 4,825,000 |
| Total capital | 5,194,000 | 5,292,000 | 5,336,000 | 5,332,000 |
| Risk-weighted assets | 39,872,000 | 41,668,000 | 39,656,000 | 40,332,000 |