Call reports 2024
UNITY NATIONAL BANK OF HOUSTON — 2024
What UNITY NATIONAL BANK OF HOUSTON reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 214,847,000 | 227,032,000 | 200,703,000 | 201,440,000 |
| Total loans | 107,601,000 | 118,843,000 | 113,217,000 | 118,367,000 |
| Allowance for loan losses | 2,055,000 | 1,938,000 | 1,758,000 | 2,068,000 |
| Securities available for sale | 58,010,000 | 58,551,000 | 56,921,000 | 55,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,447,000 | 176,919,000 | 170,624,000 | 171,253,000 |
| Interest-bearing deposits | 160,712,000 | 153,718,000 | 146,174,000 | 145,811,000 |
| Noninterest-bearing deposits | 21,735,000 | 23,201,000 | 24,450,000 | 25,442,000 |
| Equity capital | 27,147,000 | 24,558,000 | 26,746,000 | 27,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,827,000 | 5,927,000 | 8,995,000 | 11,625,000 |
| Interest expense | 1,318,000 | 2,685,000 | 4,138,000 | 5,421,000 |
| Net interest income | 1,509,000 | 3,242,000 | 4,857,000 | 6,204,000 |
| Noninterest income | 12,309,000 | 23,380,000 | 33,363,000 | 42,510,000 |
| Noninterest expense | 12,709,000 | 24,262,000 | 35,070,000 | 44,967,000 |
| Provision for loan losses | 0 | -79,000 | -79,000 | 240,000 |
| Pretax income | 1,109,000 | 2,430,000 | 3,220,000 | 3,498,000 |
| Income tax | 77,000 | 356,000 | 523,000 | -939,000 |
| Net income | 1,032,000 | 2,074,000 | 2,697,000 | 4,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,440,000 | 31,982,000 | 32,484,000 | 34,224,000 |
| Total capital | 35,927,000 | 33,546,000 | 33,958,000 | 35,791,000 |
| Risk-weighted assets | 118,324,000 | 124,715,000 | 117,577,000 | 124,773,000 |