Call reports 2006
UNION NATIONAL BANK AND TRUST COMPANY — 2006
What UNION NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 188,980,000 | 193,157,000 | 192,219,000 | 190,324,000 |
| Total loans | 131,479,000 | 133,484,000 | 136,557,000 | 135,091,000 |
| Allowance for loan losses | 1,404,000 | 1,683,000 | 1,579,000 | 1,700,000 |
| Securities available for sale | 18,060,000 | 17,786,000 | 17,969,000 | 18,151,000 |
| Securities held to maturity | 21,571,000 | 22,348,000 | 22,280,000 | 22,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,140,000 | 166,801,000 | 168,324,000 | 166,953,000 |
| Interest-bearing deposits | 141,824,000 | 145,817,000 | 122,919,000 | 125,674,000 |
| Noninterest-bearing deposits | 21,316,000 | 20,984,000 | 45,405,000 | 41,279,000 |
| Equity capital | 17,669,000 | 17,748,000 | 18,130,000 | 18,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,936,000 | 6,018,000 | 9,189,000 | 12,370,000 |
| Interest expense | 1,076,000 | 2,252,000 | 3,552,000 | 4,912,000 |
| Net interest income | 1,860,000 | 3,766,000 | 5,637,000 | 7,458,000 |
| Noninterest income | 168,000 | 360,000 | 594,000 | 779,000 |
| Noninterest expense | 1,427,000 | 2,817,000 | 4,266,000 | 5,843,000 |
| Provision for loan losses | 225,000 | 450,000 | 555,000 | 845,000 |
| Pretax income | 376,000 | 859,000 | 1,410,000 | 1,549,000 |
| Income tax | 92,000 | 215,000 | 346,000 | 435,000 |
| Net income | 284,000 | 644,000 | 1,064,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,379,000 | 17,337,000 | 18,379,000 | 18,250,000 |
| Total capital | 18,783,000 | 19,020,000 | 19,958,000 | 19,668,000 |
| Risk-weighted assets | 133,889,000 | 135,546,000 | 132,691,000 | 129,583,000 |