Call reports 2013
UNITED NATIONAL BANK — 2013
What UNITED NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 173,349,000 | 178,244,000 | 182,697,000 | 172,584,000 |
| Total loans | 157,187,000 | 167,684,000 | 170,291,000 | 161,013,000 |
| Allowance for loan losses | 5,112,000 | 5,100,000 | 4,999,000 | 4,584,000 |
| Securities available for sale | 3,511,000 | 3,812,000 | 4,446,000 | 4,166,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,664,000 | 140,144,000 | 139,570,000 | 138,757,000 |
| Interest-bearing deposits | 126,595,000 | 125,223,000 | 123,885,000 | 120,959,000 |
| Noninterest-bearing deposits | 15,069,000 | 14,921,000 | 15,685,000 | 17,798,000 |
| Equity capital | 22,145,000 | 21,909,000 | 22,587,000 | 23,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,320,000 | 4,789,000 | 7,323,000 | 9,817,000 |
| Interest expense | 353,000 | 694,000 | 1,029,000 | 1,359,000 |
| Net interest income | 1,967,000 | 4,095,000 | 6,294,000 | 8,458,000 |
| Noninterest income | 161,000 | 304,000 | 431,000 | 469,000 |
| Noninterest expense | 1,195,000 | 2,420,000 | 3,603,000 | 4,788,000 |
| Provision for loan losses | 130,000 | 245,000 | 295,000 | 295,000 |
| Pretax income | 803,000 | 1,734,000 | 2,827,000 | 3,844,000 |
| Income tax | 339,000 | 722,000 | 1,148,000 | 1,453,000 |
| Net income | 464,000 | 1,012,000 | 1,679,000 | 2,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,073,000 | 21,847,000 | 22,514,000 | 23,225,000 |
| Total capital | 23,984,000 | 23,866,000 | 24,585,000 | 25,214,000 |
| Risk-weighted assets | 149,667,000 | 158,413,000 | 162,765,000 | 156,488,000 |
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