Call reports 2009
UNION NATIONAL COMMUNITY BANK — 2009
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 509,546,000 | 514,399,000 | 499,300,000 | 488,123,000 |
| Total loans | 356,289,000 | 349,958,000 | 342,506,000 | 339,274,000 |
| Allowance for loan losses | 4,319,000 | 4,364,000 | 4,798,000 | 5,858,000 |
| Securities available for sale | 63,615,000 | 79,087,000 | 62,290,000 | 60,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,941,000 | 425,931,000 | 415,009,000 | 405,270,000 |
| Interest-bearing deposits | 361,755,000 | 377,260,000 | 360,257,000 | 350,939,000 |
| Noninterest-bearing deposits | 46,186,000 | 48,671,000 | 54,752,000 | 54,331,000 |
| Equity capital | 40,732,000 | 40,429,000 | 41,577,000 | 40,722,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,043,000 | 12,036,000 | 18,085,000 | 23,743,000 |
| Interest expense | 3,054,000 | 5,894,000 | 8,492,000 | 10,879,000 |
| Net interest income | 2,989,000 | 6,142,000 | 9,593,000 | 12,864,000 |
| Noninterest income | 1,047,000 | 2,286,000 | 3,485,000 | 4,759,000 |
| Noninterest expense | 3,954,000 | 8,219,000 | 12,209,000 | 16,170,000 |
| Provision for loan losses | 313,000 | 924,000 | 1,446,000 | 2,627,000 |
| Pretax income | -659,000 | -583,000 | -217,000 | -799,000 |
| Income tax | -267,000 | -347,000 | -304,000 | -557,000 |
| Net income | -392,000 | -236,000 | 87,000 | -242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,025,000 | 40,426,000 | 41,449,000 | 40,910,000 |
| Total capital | 50,344,000 | 50,790,000 | 52,247,000 | 52,194,000 |
| Risk-weighted assets | 403,151,000 | 411,751,000 | 423,134,000 | 422,029,000 |