Call reports 2008
UNITY NATIONAL BANK OF HOUSTON — 2008
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 56,098,000 | 56,086,000 | 57,118,000 | 59,833,000 |
| Total loans | 36,848,000 | 38,823,000 | 43,078,000 | 42,348,000 |
| Allowance for loan losses | 469,000 | 644,000 | 574,000 | 653,000 |
| Securities available for sale | 1,366,000 | 1,292,000 | 586,000 | 76,000 |
| Securities held to maturity | 1,119,000 | 775,000 | 775,000 | 775,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,252,000 | 42,794,000 | 44,620,000 | 49,003,000 |
| Interest-bearing deposits | 28,197,000 | 28,955,000 | 31,949,000 | 34,026,000 |
| Noninterest-bearing deposits | 14,055,000 | 13,839,000 | 12,671,000 | 14,977,000 |
| Equity capital | 9,570,000 | 8,985,000 | 7,834,000 | 6,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 832,000 | 1,629,000 | 2,427,000 | 3,195,000 |
| Interest expense | 203,000 | 402,000 | 600,000 | 828,000 |
| Net interest income | 629,000 | 1,227,000 | 1,827,000 | 2,367,000 |
| Noninterest income | 232,000 | 478,000 | 706,000 | 936,000 |
| Noninterest expense | 1,206,000 | 2,421,000 | 3,696,000 | 6,154,000 |
| Provision for loan losses | 0 | 143,000 | 143,000 | 1,018,000 |
| Pretax income | -345,000 | -859,000 | -2,306,000 | -3,869,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -345,000 | -859,000 | -2,306,000 | -3,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,559,000 | 8,990,000 | 7,808,000 | 6,245,000 |
| Total capital | 10,028,000 | 9,519,000 | 8,379,000 | 6,818,000 |
| Risk-weighted assets | 40,735,000 | 42,179,000 | 44,936,000 | 45,348,000 |