Call reports 2003
UNION NATIONAL COMMUNITY BANK — 2003
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 312,768,000 | 334,090,000 | 336,613,000 | 350,424,000 |
| Total loans | 194,660,000 | 197,039,000 | 204,841,000 | 225,578,000 |
| Allowance for loan losses | 1,805,000 | 1,840,000 | 1,906,000 | 1,985,000 |
| Securities available for sale | 93,866,000 | 112,594,000 | 100,749,000 | 96,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,865,000 | 229,033,000 | 233,889,000 | 234,948,000 |
| Interest-bearing deposits | 190,122,000 | 200,476,000 | 204,683,000 | 204,257,000 |
| Noninterest-bearing deposits | 26,743,000 | 28,556,000 | 29,206,000 | 30,691,000 |
| Equity capital | 25,896,000 | 26,587,000 | 25,780,000 | 30,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,539,000 | 9,087,000 | 13,592,000 | 18,023,000 |
| Interest expense | 1,721,000 | 3,527,000 | 5,194,000 | 6,692,000 |
| Net interest income | 2,818,000 | 5,560,000 | 8,398,000 | 11,331,000 |
| Noninterest income | 813,000 | 1,970,000 | 2,809,000 | 3,712,000 |
| Noninterest expense | 2,659,000 | 5,459,000 | 8,277,000 | 11,222,000 |
| Provision for loan losses | 7,000 | 46,000 | 115,000 | 274,000 |
| Pretax income | 1,036,000 | 2,108,000 | 3,078,000 | 3,943,000 |
| Income tax | 224,000 | 453,000 | 633,000 | 772,000 |
| Net income | 812,000 | 1,655,000 | 2,445,000 | 3,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,865,000 | 25,089,000 | 25,352,000 | 29,125,000 |
| Total capital | 26,670,000 | 26,929,000 | 27,258,000 | 31,110,000 |
| Risk-weighted assets | 225,547,000 | 239,404,000 | 257,628,000 | 273,957,000 |