Call reports 2023
UNITED NATIONAL BANK — 2023
What UNITED NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 291,576,000 | 278,405,000 | 283,799,000 | 289,233,000 |
| Total loans | 203,842,000 | 214,138,000 | 216,972,000 | 207,324,000 |
| Allowance for loan losses | 4,556,000 | 4,110,000 | 4,202,000 | 4,327,000 |
| Securities available for sale | 63,267,000 | 33,502,000 | 33,306,000 | 33,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,727,000 | 227,118,000 | 230,576,000 | 234,776,000 |
| Interest-bearing deposits | 185,456,000 | 186,577,000 | 190,022,000 | 196,611,000 |
| Noninterest-bearing deposits | 54,271,000 | 40,541,000 | 40,554,000 | 38,165,000 |
| Equity capital | 40,201,000 | 39,842,000 | 41,068,000 | 42,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,255,000 | 8,732,000 | 13,339,000 | 18,191,000 |
| Interest expense | 590,000 | 1,426,000 | 2,533,000 | 3,800,000 |
| Net interest income | 3,665,000 | 7,306,000 | 10,806,000 | 14,391,000 |
| Noninterest income | 231,000 | 468,000 | 669,000 | 842,000 |
| Noninterest expense | 1,847,000 | 3,684,000 | 5,546,000 | 7,626,000 |
| Provision for loan losses | -74,000 | 528,000 | 694,000 | 861,000 |
| Pretax income | 2,049,000 | 3,788,000 | 5,461,000 | 7,051,000 |
| Income tax | 489,000 | 759,000 | 1,182,000 | 1,585,000 |
| Net income | 1,560,000 | 3,029,000 | 4,279,000 | 5,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,303,000 | 39,972,000 | 41,227,000 | 42,418,000 |
| Total capital | 42,710,000 | 42,437,000 | 43,695,000 | 44,768,000 |
| Risk-weighted assets | 189,395,000 | 194,833,000 | 194,976,000 | 185,337,000 |