Call reports 2016
UNITY NATIONAL BANK OF HOUSTON — 2016
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 84,003,000 | 78,490,000 | 84,206,000 | 100,907,000 |
| Total loans | 57,739,000 | 55,546,000 | 55,674,000 | 74,894,000 |
| Allowance for loan losses | 848,000 | 884,000 | 882,000 | 809,000 |
| Securities available for sale | 14,405,000 | 13,772,000 | 14,219,000 | 13,149,000 |
| Securities held to maturity | 907,000 | 862,000 | 810,000 | 768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,409,000 | 70,903,000 | 75,783,000 | 93,178,000 |
| Interest-bearing deposits | 12,829,000 | 57,875,000 | 60,237,000 | 77,246,000 |
| Noninterest-bearing deposits | 63,580,000 | 13,028,000 | 15,546,000 | 15,932,000 |
| Equity capital | 7,166,000 | 7,103,000 | 7,906,000 | 7,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 910,000 | 1,746,000 | 2,668,000 | 3,599,000 |
| Interest expense | 109,000 | 181,000 | 258,000 | 354,000 |
| Net interest income | 801,000 | 1,565,000 | 2,410,000 | 3,245,000 |
| Noninterest income | 250,000 | 455,000 | 1,477,000 | 1,631,000 |
| Noninterest expense | 995,000 | 1,958,000 | 3,173,000 | 4,296,000 |
| Provision for loan losses | -35,000 | -35,000 | -35,000 | -35,000 |
| Pretax income | 91,000 | 97,000 | 749,000 | 615,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 91,000 | 97,000 | 749,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,176,000 | 7,182,000 | 7,835,000 | 7,688,000 |
| Total capital | 7,836,000 | 7,832,000 | 8,564,000 | 8,497,000 |
| Risk-weighted assets | 52,649,000 | 51,767,000 | 58,216,000 | 73,771,000 |