Call reports 2005
UNION NATIONAL BANK AND TRUST COMPANY — 2005
What UNION NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 192,822,000 | 190,365,000 | 187,492,000 | 188,077,000 |
| Total loans | 142,012,000 | 139,405,000 | 135,658,000 | 133,812,000 |
| Allowance for loan losses | 1,798,000 | 1,889,000 | 1,875,000 | 1,224,000 |
| Securities available for sale | 15,285,000 | 16,365,000 | 16,396,000 | 16,663,000 |
| Securities held to maturity | 18,782,000 | 21,647,000 | 21,406,000 | 21,607,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,772,000 | 165,225,000 | 162,156,000 | 163,062,000 |
| Interest-bearing deposits | 143,373,000 | 142,349,000 | 140,855,000 | 140,455,000 |
| Noninterest-bearing deposits | 22,399,000 | 22,876,000 | 21,301,000 | 22,607,000 |
| Equity capital | 17,671,000 | 17,808,000 | 17,981,000 | 17,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,619,000 | 5,381,000 | 8,270,000 | 11,069,000 |
| Interest expense | 849,000 | 1,744,000 | 2,712,000 | 3,695,000 |
| Net interest income | 1,770,000 | 3,637,000 | 5,558,000 | 7,374,000 |
| Noninterest income | 154,000 | 320,000 | 503,000 | 682,000 |
| Noninterest expense | 1,311,000 | 2,646,000 | 4,019,000 | 5,318,000 |
| Provision for loan losses | 240,000 | 575,000 | 785,000 | 1,685,000 |
| Pretax income | 373,000 | 724,000 | 1,245,000 | 1,041,000 |
| Income tax | 100,000 | 195,000 | 323,000 | 243,000 |
| Net income | 273,000 | 529,000 | 922,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,891,000 | 17,961,000 | 18,179,000 | 17,303,000 |
| Total capital | 19,551,000 | 19,590,000 | 19,792,000 | 18,527,000 |
| Risk-weighted assets | 132,642,000 | 130,090,000 | 128,760,000 | 127,943,000 |