Call reports 2004
UNITY NATIONAL BANK OF HOUSTON — 2004
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,823,000 | 55,912,000 | 55,903,000 | 57,262,000 |
| Total loans | 43,551,000 | 41,995,000 | 42,897,000 | 42,177,000 |
| Allowance for loan losses | 610,000 | 648,000 | 627,000 | 634,000 |
| Securities available for sale | 2,342,000 | 2,186,000 | 2,170,000 | 2,154,000 |
| Securities held to maturity | 1,616,000 | 1,617,000 | 1,617,000 | 1,617,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,663,000 | 44,853,000 | 43,520,000 | 45,735,000 |
| Interest-bearing deposits | 33,557,000 | 31,543,000 | 30,388,000 | 31,436,000 |
| Noninterest-bearing deposits | 13,106,000 | 13,310,000 | 13,132,000 | 14,299,000 |
| Equity capital | 4,793,000 | 4,776,000 | 4,918,000 | 5,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,862,000 | 2,779,000 | 3,700,000 |
| Interest expense | 153,000 | 300,000 | 444,000 | 600,000 |
| Net interest income | 792,000 | 1,562,000 | 2,335,000 | 3,100,000 |
| Noninterest income | 318,000 | 720,000 | 1,052,000 | 1,474,000 |
| Noninterest expense | 880,000 | 1,834,000 | 2,726,000 | 3,567,000 |
| Provision for loan losses | 276,000 | 330,000 | 385,000 | 438,000 |
| Pretax income | -46,000 | 118,000 | 276,000 | 569,000 |
| Income tax | -22,000 | 27,000 | 74,000 | 157,000 |
| Net income | -24,000 | 91,000 | 202,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,755,000 | 4,778,000 | 4,889,000 | 5,119,000 |
| Total capital | 5,271,000 | 5,279,000 | 5,397,000 | 5,638,000 |
| Risk-weighted assets | 41,599,000 | 40,377,000 | 40,964,000 | 41,414,000 |