Call reports 2007
UNION NATIONAL BANK AND TRUST COMPANY — 2007
What UNION NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 193,491,000 | 192,111,000 | 195,975,000 | 203,271,000 |
| Total loans | 132,873,000 | 128,755,000 | 126,882,000 | 126,969,000 |
| Allowance for loan losses | 1,663,000 | 1,625,000 | 1,662,000 | 1,651,000 |
| Securities available for sale | 41,649,000 | 42,440,000 | 50,653,000 | 62,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,089,000 | 169,939,000 | 172,624,000 | 179,982,000 |
| Interest-bearing deposits | 147,348,000 | 147,878,000 | 151,643,000 | 159,414,000 |
| Noninterest-bearing deposits | 22,741,000 | 22,061,000 | 20,981,000 | 20,568,000 |
| Equity capital | 18,256,000 | 17,969,000 | 18,455,000 | 17,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,196,000 | 6,358,000 | 9,627,000 | 12,902,000 |
| Interest expense | 1,411,000 | 2,854,000 | 4,395,000 | 5,981,000 |
| Net interest income | 1,785,000 | 3,504,000 | 5,232,000 | 6,921,000 |
| Noninterest income | 188,000 | 376,000 | 506,000 | 751,000 |
| Noninterest expense | 1,429,000 | 2,840,000 | 4,285,000 | 5,856,000 |
| Provision for loan losses | 120,000 | 120,000 | 200,000 | 675,000 |
| Pretax income | 381,000 | 883,000 | 1,216,000 | 1,104,000 |
| Income tax | 99,000 | 216,000 | 296,000 | 273,000 |
| Net income | 282,000 | 667,000 | 920,000 | 831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,345,000 | 18,527,000 | 18,585,000 | 17,287,000 |
| Total capital | 19,819,000 | 20,152,000 | 20,046,000 | 18,700,000 |
| Risk-weighted assets | 132,202,000 | 132,670,000 | 131,048,000 | 126,765,000 |