Call reports 2003
UNION NATIONAL BANK AND TRUST COMPANY — 2003
What UNION NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 172,438,000 | 173,143,000 | 173,870,000 | 176,002,000 |
| Total loans | 130,332,000 | 131,627,000 | 134,175,000 | 136,973,000 |
| Allowance for loan losses | 1,573,000 | 1,427,000 | 1,605,000 | 1,608,000 |
| Securities available for sale | 5,994,000 | 10,149,000 | 9,987,000 | 9,986,000 |
| Securities held to maturity | 22,252,000 | 20,295,000 | 19,832,000 | 19,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,835,000 | 148,046,000 | 149,251,000 | 148,578,000 |
| Interest-bearing deposits | 126,810,000 | 129,119,000 | 128,106,000 | 127,120,000 |
| Noninterest-bearing deposits | 19,025,000 | 18,927,000 | 21,145,000 | 21,458,000 |
| Equity capital | 16,150,000 | 16,420,000 | 16,614,000 | 16,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,583,000 | 5,082,000 | 7,690,000 | 10,143,000 |
| Interest expense | 988,000 | 1,912,000 | 2,758,000 | 3,559,000 |
| Net interest income | 1,595,000 | 3,170,000 | 4,932,000 | 6,584,000 |
| Noninterest income | 180,000 | 365,000 | 551,000 | 727,000 |
| Noninterest expense | 1,266,000 | 2,553,000 | 3,812,000 | 5,080,000 |
| Provision for loan losses | 91,000 | 250,000 | 445,000 | 520,000 |
| Pretax income | 421,000 | 732,000 | 1,226,000 | 1,716,000 |
| Income tax | 123,000 | 204,000 | 334,000 | 412,000 |
| Net income | 298,000 | 528,000 | 892,000 | 1,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,150,000 | 16,324,000 | 16,623,000 | 16,916,000 |
| Total capital | 17,664,000 | 17,751,000 | 18,158,000 | 18,488,000 |
| Risk-weighted assets | 121,061,000 | 122,216,000 | 122,718,000 | 125,652,000 |