Call reports 2005
UNITY NATIONAL BANK OF HOUSTON — 2005
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,780,000 | 52,924,000 | 51,397,000 | 55,779,000 |
| Total loans | 41,769,000 | 40,553,000 | 38,518,000 | 35,116,000 |
| Allowance for loan losses | 583,000 | 998,000 | 1,555,000 | 1,124,000 |
| Securities available for sale | 2,136,000 | 2,592,000 | 2,571,000 | 2,514,000 |
| Securities held to maturity | 1,113,000 | 1,113,000 | 1,114,000 | 1,114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,219,000 | 41,861,000 | 41,258,000 | 40,339,000 |
| Interest-bearing deposits | 30,603,000 | 27,659,000 | 28,414,000 | 27,100,000 |
| Noninterest-bearing deposits | 13,616,000 | 14,202,000 | 12,844,000 | 13,239,000 |
| Equity capital | 5,190,000 | 4,849,000 | 4,487,000 | 9,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 908,000 | 1,746,000 | 2,586,000 | 3,365,000 |
| Interest expense | 165,000 | 336,000 | 518,000 | 704,000 |
| Net interest income | 743,000 | 1,410,000 | 2,068,000 | 2,661,000 |
| Noninterest income | 271,000 | 558,000 | 813,000 | 1,064,000 |
| Noninterest expense | 855,000 | 1,728,000 | 2,482,000 | 3,706,000 |
| Provision for loan losses | 54,000 | 628,000 | 1,332,000 | 1,443,000 |
| Pretax income | 105,000 | -388,000 | -933,000 | -1,424,000 |
| Income tax | 31,000 | -141,000 | -331,000 | -502,000 |
| Net income | 74,000 | -247,000 | -602,000 | -922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,196,000 | 4,834,000 | 4,479,000 | 9,868,000 |
| Total capital | 5,698,000 | 5,311,000 | 4,927,000 | 10,301,000 |
| Risk-weighted assets | 40,412,000 | 38,295,000 | 36,440,000 | 35,317,000 |