Call reports 2003
UNION NATIONAL BANK — 2003
What UNION NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 47,257,000 | 47,735,000 | 48,649,000 | 48,562,000 |
| Total loans | 40,985,000 | 43,430,000 | 42,169,000 | 37,545,000 |
| Allowance for loan losses | 493,000 | 516,000 | 511,000 | 543,000 |
| Securities available for sale | 1,237,000 | 1,232,000 | 1,192,000 | 3,726,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,924,000 | 37,257,000 | 38,342,000 | 37,305,000 |
| Interest-bearing deposits | 33,139,000 | 33,234,000 | 33,877,000 | 31,981,000 |
| Noninterest-bearing deposits | 4,785,000 | 4,023,000 | 4,465,000 | 5,324,000 |
| Equity capital | 4,815,000 | 4,962,000 | 4,946,000 | 5,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,556,000 | 2,340,000 | 671,000 |
| Interest expense | 280,000 | 540,000 | 799,000 | 215,000 |
| Net interest income | 484,000 | 1,016,000 | 1,541,000 | 456,000 |
| Noninterest income | 70,000 | 146,000 | 215,000 | 116,000 |
| Noninterest expense | 373,000 | 734,000 | 1,151,000 | 357,000 |
| Provision for loan losses | 21,000 | 42,000 | 239,000 | 21,000 |
| Pretax income | 160,000 | 386,000 | 366,000 | 194,000 |
| Income tax | 56,000 | 137,000 | 128,000 | 51,000 |
| Net income | 104,000 | 249,000 | 238,000 | 143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,815,000 | 4,923,000 | 4,946,000 | 3,149,000 |
| Total capital | 5,308,000 | 5,437,000 | 5,455,000 | 3,599,000 |
| Risk-weighted assets | 44,131,000 | 41,340,000 | 41,879,000 | 35,903,000 |