Call reports 2002
UNION NATIONAL COMMUNITY BANK — 2002
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 302,702,000 | 305,153,000 | 313,103,000 | 319,598,000 |
| Total loans | 202,698,000 | 199,995,000 | 203,505,000 | 199,958,000 |
| Allowance for loan losses | 1,904,000 | 1,907,000 | 1,796,000 | 1,812,000 |
| Securities available for sale | 66,121,000 | 83,134,000 | 86,770,000 | 95,348,000 |
| Securities held to maturity | 12,836,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,727,000 | 212,535,000 | 216,540,000 | 223,416,000 |
| Interest-bearing deposits | 188,723,000 | 186,563,000 | 190,919,000 | 192,258,000 |
| Noninterest-bearing deposits | 26,004,000 | 25,972,000 | 25,620,000 | 31,158,000 |
| Equity capital | 24,091,000 | 24,782,000 | 25,694,000 | 25,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,046,000 | 9,923,000 | 14,780,000 | 19,552,000 |
| Interest expense | 2,211,000 | 4,216,000 | 6,215,000 | 8,109,000 |
| Net interest income | 2,835,000 | 5,707,000 | 8,565,000 | 11,443,000 |
| Noninterest income | 660,000 | 1,367,000 | 2,064,000 | 2,822,000 |
| Noninterest expense | 2,549,000 | 5,149,000 | 7,803,000 | 10,432,000 |
| Provision for loan losses | 25,000 | 85,000 | 128,000 | 184,000 |
| Pretax income | 901,000 | 1,960,000 | 2,956,000 | 3,976,000 |
| Income tax | 179,000 | 419,000 | 616,000 | 838,000 |
| Net income | 722,000 | 1,541,000 | 2,340,000 | 3,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,076,000 | 24,436,000 | 24,710,000 | 24,621,000 |
| Total capital | 25,980,000 | 26,343,000 | 26,506,000 | 26,433,000 |
| Risk-weighted assets | 212,635,000 | 213,193,000 | 220,401,000 | 225,566,000 |