Call reports 2004
UNION NATIONAL COMMUNITY BANK — 2004
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 359,311,000 | 372,389,000 | 382,904,000 | 397,735,000 |
| Total loans | 231,582,000 | 246,814,000 | 257,962,000 | 263,232,000 |
| Allowance for loan losses | 2,037,000 | 2,131,000 | 2,245,000 | 2,288,000 |
| Securities available for sale | 96,605,000 | 92,750,000 | 91,880,000 | 102,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,528,000 | 252,199,000 | 257,731,000 | 268,011,000 |
| Interest-bearing deposits | 204,570,000 | 211,784,000 | 219,781,000 | 230,419,000 |
| Noninterest-bearing deposits | 35,959,000 | 40,415,000 | 37,950,000 | 37,592,000 |
| Equity capital | 30,943,000 | 29,680,000 | 31,116,000 | 34,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,710,000 | 9,464,000 | 14,434,000 | 19,611,000 |
| Interest expense | 1,526,000 | 3,031,000 | 4,587,000 | 6,235,000 |
| Net interest income | 3,184,000 | 6,433,000 | 9,847,000 | 13,376,000 |
| Noninterest income | 897,000 | 1,837,000 | 2,859,000 | 3,936,000 |
| Noninterest expense | 3,042,000 | 6,158,000 | 9,428,000 | 12,699,000 |
| Provision for loan losses | 57,000 | 156,000 | 251,000 | 404,000 |
| Pretax income | 1,053,000 | 2,104,000 | 3,180,000 | 4,364,000 |
| Income tax | 209,000 | 428,000 | 649,000 | 911,000 |
| Net income | 844,000 | 1,676,000 | 2,531,000 | 3,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,595,000 | 30,051,000 | 30,421,000 | 33,878,000 |
| Total capital | 31,632,000 | 32,182,000 | 32,666,000 | 36,166,000 |
| Risk-weighted assets | 280,549,000 | 302,666,000 | 318,140,000 | 327,012,000 |