Call reports 2018
UNITY NATIONAL BANK OF HOUSTON — 2018
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 91,263,000 | 90,162,000 | 89,522,000 | 93,943,000 |
| Total loans | 68,415,000 | 67,315,000 | 64,006,000 | 65,692,000 |
| Allowance for loan losses | 978,000 | 988,000 | 989,000 | 937,000 |
| Securities available for sale | 10,309,000 | 9,772,000 | 9,244,000 | 8,902,000 |
| Securities held to maturity | 111,000 | 86,000 | 66,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,779,000 | 80,021,000 | 79,867,000 | 84,552,000 |
| Interest-bearing deposits | 65,475,000 | 63,359,000 | 64,238,000 | 68,413,000 |
| Noninterest-bearing deposits | 15,304,000 | 16,662,000 | 15,629,000 | 16,139,000 |
| Equity capital | 10,167,000 | 9,708,000 | 9,265,000 | 9,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 987,000 | 2,002,000 | 2,960,000 | 4,016,000 |
| Interest expense | 159,000 | 330,000 | 509,000 | 719,000 |
| Net interest income | 828,000 | 1,672,000 | 2,451,000 | 3,297,000 |
| Noninterest income | 136,000 | 274,000 | 464,000 | 601,000 |
| Noninterest expense | 1,319,000 | 2,782,000 | 4,163,000 | 5,477,000 |
| Provision for loan losses | 39,000 | 52,000 | 52,000 | 52,000 |
| Pretax income | -394,000 | -888,000 | -1,300,000 | -1,631,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -394,000 | -888,000 | -1,300,000 | -1,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,533,000 | 10,104,000 | 9,692,000 | 9,361,000 |
| Total capital | 11,388,000 | 10,945,000 | 10,510,000 | 10,215,000 |
| Risk-weighted assets | 68,287,000 | 67,156,000 | 65,281,000 | 68,249,000 |