Call reports 2020
UNITY NATIONAL BANK OF HOUSTON — 2020
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 107,905,000 | 130,480,000 | 133,254,000 | 183,270,000 |
| Total loans | 87,213,000 | 104,376,000 | 103,113,000 | 111,093,000 |
| Allowance for loan losses | 996,000 | 997,000 | 1,346,000 | 1,345,000 |
| Securities available for sale | 7,092,000 | 6,766,000 | 5,986,000 | 7,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,434,000 | 118,935,000 | 121,124,000 | 135,092,000 |
| Interest-bearing deposits | 78,664,000 | 88,757,000 | 92,631,000 | 101,171,000 |
| Noninterest-bearing deposits | 18,770,000 | 30,178,000 | 28,493,000 | 33,921,000 |
| Equity capital | 10,054,000 | 10,396,000 | 10,656,000 | 12,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 3,061,000 | 4,625,000 | 6,510,000 |
| Interest expense | 303,000 | 561,000 | 814,000 | 929,000 |
| Net interest income | 986,000 | 2,500,000 | 3,811,000 | 5,581,000 |
| Noninterest income | 107,000 | 199,000 | 308,000 | 411,000 |
| Noninterest expense | 1,166,000 | 2,557,000 | 3,888,000 | 5,311,000 |
| Provision for loan losses | 0 | 0 | 354,000 | 354,000 |
| Pretax income | -73,000 | 142,000 | -123,000 | 327,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -73,000 | 142,000 | -123,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,138,000 | 10,354,000 | 10,593,000 | 12,043,000 |
| Total capital | 11,134,000 | — | — | 13,355,000 |
| Risk-weighted assets | 81,696,000 | — | — | 104,992,000 |