Call reports 2002
UNION NATIONAL BANK AND TRUST COMPANY — 2002
What UNION NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 176,790,000 | 178,039,000 | 175,103,000 | 176,901,000 |
| Total loans | 129,751,000 | 130,142,000 | 129,980,000 | 132,387,000 |
| Allowance for loan losses | 1,511,000 | 1,567,000 | 1,644,000 | 1,501,000 |
| Securities available for sale | 6,497,000 | 6,568,000 | 4,553,000 | 3,035,000 |
| Securities held to maturity | 24,093,000 | 26,998,000 | 29,511,000 | 28,875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,069,000 | 149,258,000 | 147,156,000 | 145,782,000 |
| Interest-bearing deposits | 128,861,000 | 129,467,000 | 129,054,000 | 127,996,000 |
| Noninterest-bearing deposits | 18,208,000 | 19,791,000 | 18,102,000 | 17,786,000 |
| Equity capital | 15,122,000 | 15,424,000 | 15,703,000 | 15,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,767,000 | 5,529,000 | 8,347,000 | 11,063,000 |
| Interest expense | 1,305,000 | 2,548,000 | 3,750,000 | 4,832,000 |
| Net interest income | 1,462,000 | 2,981,000 | 4,597,000 | 6,231,000 |
| Noninterest income | 136,000 | 320,000 | 515,000 | 712,000 |
| Noninterest expense | 1,234,000 | 2,447,000 | 3,681,000 | 4,943,000 |
| Provision for loan losses | 60,000 | 120,000 | 209,000 | 335,000 |
| Pretax income | 304,000 | 734,000 | 1,222,000 | 1,665,000 |
| Income tax | 96,000 | 207,000 | 339,000 | 429,000 |
| Net income | 208,000 | 527,000 | 883,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,119,000 | 15,375,000 | 15,665,000 | 15,900,000 |
| Total capital | 16,630,000 | 16,914,000 | 17,203,000 | 17,401,000 |
| Risk-weighted assets | 121,675,000 | 123,081,000 | 122,156,000 | 124,025,000 |