Call reports 2012
UNITED NATIONAL BANK — 2012
What UNITED NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 175,976,000 | 167,082,000 | 178,224,000 | 175,701,000 |
| Total loans | 147,585,000 | 154,686,000 | 166,965,000 | 155,680,000 |
| Allowance for loan losses | 5,289,000 | 4,948,000 | 5,064,000 | 5,111,000 |
| Securities available for sale | 5,366,000 | 4,832,000 | 4,460,000 | 4,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,798,000 | 136,948,000 | 137,169,000 | 144,345,000 |
| Interest-bearing deposits | 130,092,000 | 123,014,000 | 123,759,000 | 125,794,000 |
| Noninterest-bearing deposits | 17,706,000 | 13,934,000 | 13,410,000 | 18,551,000 |
| Equity capital | 20,969,000 | 20,775,000 | 21,316,000 | 21,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,326,000 | 4,704,000 | 7,228,000 | 9,739,000 |
| Interest expense | 465,000 | 884,000 | 1,283,000 | 1,680,000 |
| Net interest income | 1,861,000 | 3,820,000 | 5,945,000 | 8,059,000 |
| Noninterest income | 136,000 | 281,000 | 456,000 | 604,000 |
| Noninterest expense | 1,192,000 | 2,338,000 | 3,527,000 | 4,669,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 1,080,000 |
| Pretax income | 610,000 | 1,373,000 | 2,289,000 | 2,914,000 |
| Income tax | 281,000 | 617,000 | 1,011,000 | 1,107,000 |
| Net income | 329,000 | 756,000 | 1,278,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,906,000 | 20,713,000 | 21,235,000 | 21,609,000 |
| Total capital | 22,708,000 | 22,552,000 | 23,231,000 | 23,514,000 |
| Risk-weighted assets | 140,664,000 | 143,993,000 | 156,637,000 | 149,222,000 |