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 | 171,035,000 | 189,760,000 | 192,536,000 | 197,806,000 |
| Total loans | 156,015,000 | 173,168,000 | 177,454,000 | 188,118,000 |
| Allowance for loan losses | 474,000 | 501,000 | 519,000 | 534,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,103,000 | 8,086,000 | 7,076,000 | 6,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,568,000 | 168,821,000 | 169,925,000 | 173,442,000 |
| Interest-bearing deposits | 125,657,000 | 139,284,000 | 140,507,000 | 141,684,000 |
| Noninterest-bearing deposits | 25,911,000 | 29,537,000 | 29,418,000 | 31,758,000 |
| Equity capital | 17,337,000 | 17,464,000 | 18,196,000 | 18,861,000 |
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 | 2,587,000 | 5,331,000 | 8,038,000 | 10,829,000 |
| Interest expense | 877,000 | 1,836,000 | 2,811,000 | 3,719,000 |
| Net interest income | 1,710,000 | 3,495,000 | 5,227,000 | 7,110,000 |
| Noninterest income | 93,000 | 185,000 | 316,000 | 470,000 |
| Noninterest expense | 621,000 | 1,214,000 | 1,840,000 | 3,023,000 |
| Provision for loan losses | 15,000 | 256,000 | 271,000 | 286,000 |
| Pretax income | 1,167,000 | 2,210,000 | 3,432,000 | 4,271,000 |
| Income tax | 23,000 | 40,000 | 61,000 | 75,000 |
| Net income | 1,144,000 | 2,170,000 | 3,371,000 | 4,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,337,000 | 17,464,000 | 18,196,000 | 18,861,000 |
| Total capital | 17,811,000 | 17,965,000 | 18,715,000 | 19,395,000 |
| Risk-weighted assets | 156,066,000 | 174,687,000 | 178,578,000 | 189,063,000 |