Call reports 2007
UNITY NATIONAL BANK OF HOUSTON — 2007
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,562,000 | 50,200,000 | 50,265,000 | 53,066,000 |
| Total loans | 31,749,000 | 31,903,000 | 34,336,000 | 35,646,000 |
| Allowance for loan losses | 742,000 | 878,000 | 860,000 | 632,000 |
| Securities available for sale | 2,552,000 | 2,526,000 | 2,472,000 | 2,331,000 |
| Securities held to maturity | 1,117,000 | 1,118,000 | 1,118,000 | 1,119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,931,000 | 39,834,000 | 38,568,000 | 38,835,000 |
| Interest-bearing deposits | 25,516,000 | 25,980,000 | 25,666,000 | 24,528,000 |
| Noninterest-bearing deposits | 15,415,000 | 13,854,000 | 12,902,000 | 14,307,000 |
| Equity capital | 6,328,000 | 6,041,000 | 7,336,000 | 9,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,793,000 | 2,692,000 | 3,615,000 |
| Interest expense | 207,000 | 420,000 | 637,000 | 840,000 |
| Net interest income | 684,000 | 1,373,000 | 2,055,000 | 2,775,000 |
| Noninterest income | 284,000 | 527,000 | 799,000 | 1,074,000 |
| Noninterest expense | 1,227,000 | 2,427,000 | 3,425,000 | 4,621,000 |
| Provision for loan losses | 18,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | -277,000 | -545,000 | -589,000 | -790,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -277,000 | -545,000 | -589,000 | -790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,344,000 | 6,079,000 | 7,351,000 | 9,885,000 |
| Total capital | 6,779,000 | 6,513,000 | 7,801,000 | 10,367,000 |
| Risk-weighted assets | 35,143,000 | 35,164,000 | 36,915,000 | 38,399,000 |