Call reports 2019
UNITY NATIONAL BANK OF HOUSTON — 2019
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 95,894,000 | 100,007,000 | 97,094,000 | 106,140,000 |
| Total loans | 71,434,000 | 77,004,000 | 77,455,000 | 83,048,000 |
| Allowance for loan losses | 939,000 | 771,000 | 953,000 | 996,000 |
| Securities available for sale | 8,612,000 | 8,311,000 | 7,904,000 | 7,451,000 |
| Securities held to maturity | 34,000 | 20,000 | 4,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,516,000 | 90,706,000 | 87,659,000 | 95,603,000 |
| Interest-bearing deposits | 70,800,000 | 74,387,000 | 67,931,000 | 79,566,000 |
| Noninterest-bearing deposits | 15,716,000 | 16,319,000 | 19,728,000 | 16,037,000 |
| Equity capital | 8,873,000 | 8,814,000 | 8,896,000 | 10,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,100,000 | 2,314,000 | 3,570,000 | 4,861,000 |
| Interest expense | 283,000 | 606,000 | 923,000 | 1,245,000 |
| Net interest income | 817,000 | 1,708,000 | 2,647,000 | 3,616,000 |
| Noninterest income | 128,000 | 249,000 | 874,000 | 1,011,000 |
| Noninterest expense | 1,213,000 | 2,440,000 | 3,666,000 | 4,932,000 |
| Provision for loan losses | 0 | 44,000 | 304,000 | 348,000 |
| Pretax income | -268,000 | -527,000 | -449,000 | -647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -268,000 | -527,000 | -449,000 | -647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,093,000 | 8,909,000 | 8,974,000 | 10,211,000 |
| Total capital | 10,014,000 | 9,680,000 | 9,908,000 | 11,207,000 |
| Risk-weighted assets | 73,726,000 | 78,342,000 | 74,751,000 | 81,245,000 |