Call reports 2004
UNION NATIONAL BANK AND TRUST COMPANY — 2004
What UNION NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 179,029,000 | 180,914,000 | 190,412,000 | 190,662,000 |
| Total loans | 135,355,000 | 139,553,000 | 144,381,000 | 145,087,000 |
| Allowance for loan losses | 1,635,000 | 1,733,000 | 1,713,000 | 1,702,000 |
| Securities available for sale | 13,039,000 | 10,720,000 | 14,929,000 | 14,849,000 |
| Securities held to maturity | 17,217,000 | 17,904,000 | 17,206,000 | 17,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,899,000 | 155,169,000 | 163,460,000 | 163,811,000 |
| Interest-bearing deposits | 133,439,000 | 135,199,000 | 141,957,000 | 141,884,000 |
| Noninterest-bearing deposits | 21,460,000 | 19,970,000 | 21,503,000 | 21,927,000 |
| Equity capital | 17,204,000 | 17,326,000 | 17,612,000 | 17,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,396,000 | 4,924,000 | 7,460,000 | 10,121,000 |
| Interest expense | 767,000 | 1,504,000 | 2,290,000 | 3,103,000 |
| Net interest income | 1,629,000 | 3,420,000 | 5,170,000 | 7,018,000 |
| Noninterest income | 180,000 | 254,000 | 388,000 | 512,000 |
| Noninterest expense | 1,268,000 | 2,536,000 | 3,823,000 | 5,129,000 |
| Provision for loan losses | 90,000 | 190,000 | 290,000 | 556,000 |
| Pretax income | 459,000 | 944,000 | 1,441,000 | 1,841,000 |
| Income tax | 128,000 | 251,000 | 397,000 | 442,000 |
| Net income | 331,000 | 693,000 | 1,044,000 | 1,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,177,000 | 17,509,000 | 17,658,000 | 17,809,000 |
| Total capital | 18,746,000 | 19,118,000 | 19,304,000 | 19,474,000 |
| Risk-weighted assets | 125,466,000 | 128,560,000 | 132,178,000 | 133,194,000 |