Call reports 2015
UNITY NATIONAL BANK OF HOUSTON — 2015
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 81,989,000 | 81,693,000 | 84,306,000 | 83,327,000 |
| Total loans | 46,340,000 | 49,194,000 | 56,302,000 | 55,682,000 |
| Allowance for loan losses | 678,000 | 837,000 | 838,000 | 850,000 |
| Securities available for sale | 16,873,000 | 16,159,000 | 15,355,000 | 14,578,000 |
| Securities held to maturity | 1,133,000 | 1,072,000 | 1,018,000 | 958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,783,000 | 70,739,000 | 73,246,000 | 71,940,000 |
| Interest-bearing deposits | 57,577,000 | 57,179,000 | 60,051,000 | 59,827,000 |
| Noninterest-bearing deposits | 13,206,000 | 13,560,000 | 13,195,000 | 12,113,000 |
| Equity capital | 6,978,000 | 6,729,000 | 6,796,000 | 6,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,650,000 | 2,480,000 | 3,563,000 |
| Interest expense | 104,000 | 210,000 | 319,000 | 434,000 |
| Net interest income | 735,000 | 1,440,000 | 2,161,000 | 3,129,000 |
| Noninterest income | 200,000 | 360,000 | 520,000 | 692,000 |
| Noninterest expense | 851,000 | 1,743,000 | 2,616,000 | 3,563,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 150,000 |
| Pretax income | 84,000 | -93,000 | -85,000 | 108,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | -93,000 | -85,000 | 108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,061,000 | 6,884,000 | 6,892,000 | 7,086,000 |
| Total capital | 7,697,000 | 7,530,000 | 7,607,000 | 7,759,000 |
| Risk-weighted assets | 50,916,000 | 51,496,000 | 57,080,000 | 53,673,000 |