Call reports 2006
UNITY NATIONAL BANK OF HOUSTON — 2006
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 52,975,000 | 54,311,000 | 52,758,000 | 50,951,000 |
| Total loans | 32,635,000 | 32,106,000 | 30,961,000 | 29,345,000 |
| Allowance for loan losses | 1,037,000 | 1,274,000 | 989,000 | 618,000 |
| Securities available for sale | 2,555,000 | 2,460,000 | 2,485,000 | 2,540,000 |
| Securities held to maturity | 1,115,000 | 1,116,000 | 1,116,000 | 1,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,023,000 | 41,350,000 | 40,347,000 | 39,990,000 |
| Interest-bearing deposits | 25,682,000 | 27,330,000 | 25,913,000 | 25,624,000 |
| Noninterest-bearing deposits | 13,341,000 | 14,020,000 | 14,434,000 | 14,366,000 |
| Equity capital | 9,749,000 | 8,698,000 | 8,150,000 | 6,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,604,000 | 2,446,000 | 3,261,000 |
| Interest expense | 176,000 | 357,000 | 562,000 | 766,000 |
| Net interest income | 617,000 | 1,247,000 | 1,884,000 | 2,495,000 |
| Noninterest income | 229,000 | 624,000 | 766,000 | 963,000 |
| Noninterest expense | 1,043,000 | 2,229,000 | 3,452,000 | 4,991,000 |
| Provision for loan losses | 54,000 | 796,000 | 852,000 | 1,505,000 |
| Pretax income | -251,000 | -1,154,000 | -1,654,000 | -3,038,000 |
| Income tax | -90,000 | 0 | 0 | 275,000 |
| Net income | -161,000 | -1,154,000 | -1,654,000 | -3,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,690,000 | 8,704,000 | 8,222,000 | 6,614,000 |
| Total capital | 10,096,000 | 9,120,000 | 8,674,000 | 7,047,000 |
| Risk-weighted assets | 33,502,000 | 33,658,000 | 36,067,000 | 34,165,000 |