Call reports 2008
UNION NATIONAL COMMUNITY BANK — 2008
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 497,660,000 | 492,268,000 | 492,158,000 | 483,931,000 |
| Total loans | 366,852,000 | 375,275,000 | 370,549,000 | 358,280,000 |
| Allowance for loan losses | 3,742,000 | 3,831,000 | 3,886,000 | 4,358,000 |
| Securities available for sale | 67,857,000 | 69,799,000 | 74,054,000 | 64,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,925,000 | 372,531,000 | 369,416,000 | 383,719,000 |
| Interest-bearing deposits | 336,784,000 | 323,384,000 | 322,681,000 | 336,752,000 |
| Noninterest-bearing deposits | 54,141,000 | 49,147,000 | 46,735,000 | 46,967,000 |
| Equity capital | 38,357,000 | 39,633,000 | 40,912,000 | 40,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,328,000 | 14,352,000 | 21,383,000 | 28,142,000 |
| Interest expense | 3,711,000 | 6,893,000 | 9,934,000 | 12,906,000 |
| Net interest income | 3,617,000 | 7,459,000 | 11,449,000 | 15,236,000 |
| Noninterest income | 1,221,000 | 2,445,000 | 3,675,000 | 4,845,000 |
| Noninterest expense | 4,121,000 | 8,490,000 | 12,622,000 | 16,913,000 |
| Provision for loan losses | 140,000 | 279,000 | 326,000 | 1,027,000 |
| Pretax income | 768,000 | 1,282,000 | 2,286,000 | 1,055,000 |
| Income tax | 192,000 | 299,000 | 569,000 | 86,000 |
| Net income | 576,000 | 983,000 | 1,717,000 | 969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,987,000 | 40,703,000 | 41,487,000 | 40,601,000 |
| Total capital | 48,729,000 | 50,534,000 | 51,373,000 | 50,959,000 |
| Risk-weighted assets | 422,697,000 | 419,619,000 | 410,726,000 | 407,306,000 |