Call reports 2009
UNITY NATIONAL BANK OF HOUSTON — 2009
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 56,477,000 | 54,915,000 | 60,739,000 | 61,652,000 |
| Total loans | 41,794,000 | 41,955,000 | 42,101,000 | 41,549,000 |
| Allowance for loan losses | 721,000 | 676,000 | 839,000 | 817,000 |
| Securities available for sale | 566,000 | 1,172,000 | 1,287,000 | 1,352,000 |
| Securities held to maturity | 776,000 | 776,000 | 776,000 | 530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,181,000 | 44,922,000 | 50,589,000 | 51,669,000 |
| Interest-bearing deposits | 32,491,000 | 32,030,000 | 37,466,000 | 37,954,000 |
| Noninterest-bearing deposits | 13,690,000 | 12,892,000 | 13,123,000 | 13,715,000 |
| Equity capital | 5,941,000 | 5,636,000 | 5,679,000 | 5,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,473,000 | 2,213,000 | 2,951,000 |
| Interest expense | 192,000 | 367,000 | 535,000 | 699,000 |
| Net interest income | 551,000 | 1,106,000 | 1,678,000 | 2,252,000 |
| Noninterest income | 204,000 | 435,000 | 805,000 | 1,087,000 |
| Noninterest expense | 1,056,000 | 2,227,000 | 3,242,000 | 4,306,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -301,000 | -686,000 | -759,000 | -842,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -301,000 | -686,000 | -759,000 | -842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,944,000 | 5,559,000 | 5,486,000 | 5,403,000 |
| Total capital | 6,515,000 | 6,105,000 | 6,089,000 | 5,981,000 |
| Risk-weighted assets | 45,089,000 | 45,461,000 | 46,655,000 | 45,242,000 |