Call reports 2007
UNION NATIONAL COMMUNITY BANK — 2007
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 456,967,000 | 477,588,000 | 491,026,000 | 499,993,000 |
| Total loans | 352,379,000 | 360,046,000 | 363,498,000 | 364,337,000 |
| Allowance for loan losses | 3,188,000 | 3,449,000 | 3,651,000 | 3,675,000 |
| Securities available for sale | 66,236,000 | 62,300,000 | 70,589,000 | 73,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,255,000 | 356,822,000 | 367,338,000 | 376,355,000 |
| Interest-bearing deposits | 284,155,000 | 308,929,000 | 322,160,000 | 329,731,000 |
| Noninterest-bearing deposits | 48,100,000 | 47,893,000 | 45,179,000 | 46,624,000 |
| Equity capital | 38,248,000 | 38,021,000 | 38,487,000 | 38,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,680,000 | 15,483,000 | 23,509,000 | 31,332,000 |
| Interest expense | 3,706,000 | 7,272,000 | 11,207,000 | 15,167,000 |
| Net interest income | 3,974,000 | 8,211,000 | 12,302,000 | 16,165,000 |
| Noninterest income | 2,114,000 | 4,149,000 | 5,898,000 | 7,220,000 |
| Noninterest expense | 5,818,000 | 11,384,000 | 16,225,000 | 20,518,000 |
| Provision for loan losses | 207,000 | 477,000 | 707,000 | 1,238,000 |
| Pretax income | -456,000 | 127,000 | 896,000 | 878,000 |
| Income tax | -248,000 | -183,000 | 32,000 | -44,000 |
| Net income | -208,000 | 310,000 | 864,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,000,000 | 38,287,000 | 38,857,000 | 38,633,000 |
| Total capital | 47,188,000 | 47,736,000 | 48,508,000 | 48,308,000 |
| Risk-weighted assets | 405,061,000 | 420,422,000 | 429,810,000 | 421,136,000 |
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