Call reports 2008
UNION NATIONAL BANK AND TRUST COMPANY — 2008
What UNION NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Total assets | 198,790,000 | 194,797,000 |
| Total loans | 122,667,000 | 126,197,000 |
| Allowance for loan losses | 1,864,000 | 1,898,000 |
| Securities available for sale | 58,567,000 | 57,476,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 174,960,000 | 171,836,000 |
| Interest-bearing deposits | 153,244,000 | 149,963,000 |
| Noninterest-bearing deposits | 21,716,000 | 21,873,000 |
| Equity capital | 17,977,000 | 17,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Interest income | 3,062,000 | 5,923,000 |
| Interest expense | 1,379,000 | 2,523,000 |
| Net interest income | 1,683,000 | 3,400,000 |
| Noninterest income | 211,000 | 424,000 |
| Noninterest expense | 1,408,000 | 2,812,000 |
| Provision for loan losses | 207,000 | 570,000 |
| Pretax income | 304,000 | 469,000 |
| Income tax | 62,000 | 119,000 |
| Net income | 242,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 |
|---|---|---|
| Tier 1 capital | 17,528,000 | 17,637,000 |
| Total capital | 18,999,000 | 19,148,000 |
| Risk-weighted assets | 123,115,000 | 127,230,000 |