Call reports 2010
UNITY NATIONAL BANK OF HOUSTON — 2010
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 63,180,000 | 65,746,000 | 65,927,000 | 65,074,000 |
| Total loans | 45,482,000 | 43,423,000 | 40,492,000 | 36,286,000 |
| Allowance for loan losses | 830,000 | 824,000 | 847,000 | 721,000 |
| Securities available for sale | 2,242,000 | 4,689,000 | 6,314,000 | 6,807,000 |
| Securities held to maturity | 530,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,349,000 | 55,237,000 | 55,549,000 | 53,516,000 |
| Interest-bearing deposits | 39,674,000 | 41,198,000 | 42,308,000 | 40,920,000 |
| Noninterest-bearing deposits | 13,675,000 | 14,039,000 | 13,241,000 | 12,596,000 |
| Equity capital | 5,526,000 | 5,958,000 | 5,951,000 | 7,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,713,000 | 2,537,000 | 3,308,000 |
| Interest expense | 157,000 | 319,000 | 470,000 | 611,000 |
| Net interest income | 725,000 | 1,394,000 | 2,067,000 | 2,697,000 |
| Noninterest income | 331,000 | 642,000 | 967,000 | 1,249,000 |
| Noninterest expense | 980,000 | 1,967,000 | 2,956,000 | 3,996,000 |
| Provision for loan losses | 12,000 | 613,000 | 613,000 | 660,000 |
| Pretax income | 102,000 | -492,000 | -442,000 | -617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | -492,000 | -442,000 | -617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,506,000 | 5,912,000 | 5,961,000 | 7,462,000 |
| Total capital | 6,124,000 | 6,480,000 | 6,524,000 | 8,051,000 |
| Risk-weighted assets | 48,699,000 | 45,683,000 | 45,294,000 | 47,561,000 |