Call reports 2010
UNION NATIONAL COMMUNITY BANK — 2010
What UNION NATIONAL COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 498,371,000 | 500,272,000 | 466,818,000 | 446,019,000 |
| Total loans | 333,028,000 | 332,735,000 | 329,239,000 | 326,294,000 |
| Allowance for loan losses | 5,995,000 | 5,989,000 | 6,341,000 | 6,526,000 |
| Securities available for sale | 60,690,000 | 54,699,000 | 47,996,000 | 35,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,268,000 | 413,866,000 | 397,999,000 | 387,559,000 |
| Interest-bearing deposits | 357,225,000 | 347,255,000 | 330,656,000 | 319,536,000 |
| Noninterest-bearing deposits | 60,043,000 | 66,611,000 | 67,343,000 | 68,023,000 |
| Equity capital | 41,218,000 | 40,132,000 | 40,534,000 | 38,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,520,000 | 10,996,000 | 16,307,000 | 21,609,000 |
| Interest expense | 2,183,000 | 4,175,000 | 5,872,000 | 7,415,000 |
| Net interest income | 3,337,000 | 6,821,000 | 10,435,000 | 14,194,000 |
| Noninterest income | 1,103,000 | 2,269,000 | 3,403,000 | 4,656,000 |
| Noninterest expense | 3,961,000 | 8,171,000 | 12,719,000 | 17,232,000 |
| Provision for loan losses | 496,000 | 1,124,000 | 1,546,000 | 3,335,000 |
| Pretax income | 59,000 | -1,400,000 | -1,150,000 | -2,413,000 |
| Income tax | -35,000 | -592,000 | -596,000 | -1,059,000 |
| Net income | 94,000 | -808,000 | -554,000 | -1,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,004,000 | 40,103,000 | 40,357,000 | 37,586,000 |
| Total capital | 52,141,000 | 51,048,000 | 51,178,000 | 48,285,000 |
| Risk-weighted assets | 409,992,000 | 394,431,000 | 384,013,000 | 374,002,000 |