Call reports 2013
UNITY NATIONAL BANK OF HOUSTON — 2013
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 69,134,000 | 72,931,000 | 69,813,000 | 70,551,000 |
| Total loans | 38,388,000 | 39,634,000 | 40,299,000 | 40,167,000 |
| Allowance for loan losses | 814,000 | 722,000 | 762,000 | 710,000 |
| Securities available for sale | 13,253,000 | 14,873,000 | 15,418,000 | 15,892,000 |
| Securities held to maturity | 1,394,000 | 1,287,000 | 1,541,000 | 1,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,123,000 | 62,143,000 | 59,263,000 | 59,698,000 |
| Interest-bearing deposits | 46,790,000 | 51,293,000 | 48,277,000 | 48,810,000 |
| Noninterest-bearing deposits | 11,333,000 | 10,850,000 | 10,986,000 | 10,888,000 |
| Equity capital | 6,744,000 | 6,480,000 | 6,222,000 | 6,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,432,000 | 2,206,000 | 3,204,000 |
| Interest expense | 97,000 | 199,000 | 298,000 | 392,000 |
| Net interest income | 631,000 | 1,233,000 | 1,908,000 | 2,812,000 |
| Noninterest income | 110,000 | 260,000 | 476,000 | 647,000 |
| Noninterest expense | 916,000 | 1,820,000 | 2,705,000 | 3,581,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | -70,000 |
| Pretax income | -175,000 | -332,000 | -290,000 | 22,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -175,000 | -332,000 | -290,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,907,000 | 6,751,000 | 6,793,000 | 7,104,000 |
| Total capital | 7,466,000 | 7,356,000 | 7,345,000 | 7,674,000 |
| Risk-weighted assets | 45,194,000 | 48,160,000 | 45,219,000 | 48,081,000 |