Call reports 2014
UNITY NATIONAL BANK OF HOUSTON — 2014
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 74,645,000 | 72,869,000 | 75,516,000 | 76,838,000 |
| Total loans | 41,986,000 | 41,020,000 | 45,929,000 | 49,439,000 |
| Allowance for loan losses | 665,000 | 659,000 | 664,000 | 670,000 |
| Securities available for sale | 16,993,000 | 16,741,000 | 17,636,000 | 17,039,000 |
| Securities held to maturity | 1,520,000 | 1,213,000 | 1,207,000 | 1,202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,826,000 | 61,951,000 | 64,674,000 | 65,445,000 |
| Interest-bearing deposits | 52,306,000 | 50,012,000 | 51,924,000 | 52,855,000 |
| Noninterest-bearing deposits | 11,520,000 | 11,939,000 | 12,750,000 | 12,590,000 |
| Equity capital | 6,536,000 | 6,639,000 | 6,535,000 | 6,842,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,475,000 | 2,253,000 | 3,075,000 |
| Interest expense | 92,000 | 187,000 | 287,000 | 389,000 |
| Net interest income | 651,000 | 1,288,000 | 1,966,000 | 2,686,000 |
| Noninterest income | 129,000 | 287,000 | 504,000 | 757,000 |
| Noninterest expense | 893,000 | 1,797,000 | 2,720,000 | 3,570,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -113,000 | -222,000 | -250,000 | -127,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -113,000 | -222,000 | -250,000 | -127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,992,000 | 6,882,000 | 6,854,000 | 6,977,000 |
| Total capital | 7,593,000 | 7,462,000 | 7,496,000 | 7,605,000 |
| Risk-weighted assets | 49,983,000 | 48,606,000 | 53,247,000 | 50,210,000 |