Call reports 2006
UNION NATIONAL COMMUNITY BANK — 2006
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 476,869,000 | 499,562,000 | 510,025,000 | 515,657,000 |
| Total loans | 304,905,000 | 324,022,000 | 330,257,000 | 342,775,000 |
| Allowance for loan losses | 2,729,000 | 2,817,000 | 2,914,000 | 3,065,000 |
| Securities available for sale | 121,378,000 | 130,822,000 | 136,522,000 | 129,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,067,000 | 330,877,000 | 332,148,000 | 340,474,000 |
| Interest-bearing deposits | 257,422,000 | 282,490,000 | 289,951,000 | 292,154,000 |
| Noninterest-bearing deposits | 58,645,000 | 48,387,000 | 42,197,000 | 48,320,000 |
| Equity capital | 36,245,000 | 35,206,000 | 38,538,000 | 38,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,783,000 | 14,125,000 | 22,052,000 | 30,251,000 |
| Interest expense | 3,011,000 | 6,459,000 | 10,517,000 | 14,801,000 |
| Net interest income | 3,772,000 | 7,666,000 | 11,535,000 | 15,450,000 |
| Noninterest income | 1,854,000 | 3,949,000 | 5,887,000 | 8,052,000 |
| Noninterest expense | 4,496,000 | 9,563,000 | 14,362,000 | 19,547,000 |
| Provision for loan losses | 30,000 | 337,000 | 441,000 | 671,000 |
| Pretax income | 1,122,000 | 1,734,000 | 2,637,000 | 3,445,000 |
| Income tax | 200,000 | 230,000 | 369,000 | 481,000 |
| Net income | 922,000 | 1,504,000 | 2,268,000 | 2,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,743,000 | 37,037,000 | 38,009,000 | 38,408,000 |
| Total capital | 39,472,000 | 39,854,000 | 46,923,000 | 47,473,000 |
| Risk-weighted assets | 384,133,000 | 415,286,000 | 422,720,000 | 423,115,000 |