Call reports 2005
UNION NATIONAL COMMUNITY BANK — 2005
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 410,635,000 | 426,474,000 | 438,265,000 | 460,612,000 |
| Total loans | 267,649,000 | 282,701,000 | 290,597,000 | 302,360,000 |
| Allowance for loan losses | 2,430,000 | 2,560,000 | 2,628,000 | 2,675,000 |
| Securities available for sale | 106,747,000 | 110,577,000 | 111,261,000 | 119,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,131,000 | 287,038,000 | 297,349,000 | 297,105,000 |
| Interest-bearing deposits | 237,010,000 | 244,490,000 | 251,362,000 | 253,461,000 |
| Noninterest-bearing deposits | 40,121,000 | 42,548,000 | 45,987,000 | 43,644,000 |
| Equity capital | 33,982,000 | 35,257,000 | 35,093,000 | 35,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,505,000 | 11,258,000 | 17,392,000 | 23,940,000 |
| Interest expense | 1,785,000 | 3,868,000 | 6,254,000 | 8,991,000 |
| Net interest income | 3,720,000 | 7,390,000 | 11,138,000 | 14,949,000 |
| Noninterest income | 981,000 | 2,102,000 | 4,004,000 | 5,895,000 |
| Noninterest expense | 3,376,000 | 6,825,000 | 11,107,000 | 15,451,000 |
| Provision for loan losses | 124,000 | 269,000 | 403,000 | 681,000 |
| Pretax income | 1,222,000 | 2,433,000 | 3,667,000 | 4,783,000 |
| Income tax | 268,000 | 529,000 | 788,000 | 1,000,000 |
| Net income | 954,000 | 1,904,000 | 2,879,000 | 3,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,329,000 | 34,754,000 | 35,175,000 | 36,398,000 |
| Total capital | 36,759,000 | 37,314,000 | 37,803,000 | 39,073,000 |
| Risk-weighted assets | 329,027,000 | 347,090,000 | 357,846,000 | 374,800,000 |