Call reports 2004
UNION NATIONAL BANK — 2004
What UNION NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 209,931,000 | 235,280,000 | 243,958,000 | 253,597,000 |
| Total loans | 196,679,000 | 221,570,000 | 233,990,000 | 243,721,000 |
| Allowance for loan losses | 578,000 | 596,000 | 611,000 | 626,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,751,000 | 5,633,000 | 4,627,000 | 3,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,630,000 | 210,538,000 | 211,685,000 | 224,081,000 |
| Interest-bearing deposits | 161,591,000 | 181,145,000 | 179,113,000 | 185,075,000 |
| Noninterest-bearing deposits | 26,039,000 | 29,393,000 | 32,572,000 | 39,006,000 |
| Equity capital | 20,070,000 | 21,235,000 | 23,067,000 | 24,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,801,000 | 6,278,000 | 10,338,000 | 14,144,000 |
| Interest expense | 928,000 | 1,952,000 | 3,107,000 | 4,294,000 |
| Net interest income | 1,873,000 | 4,326,000 | 7,231,000 | 9,850,000 |
| Noninterest income | 158,000 | 305,000 | 476,000 | 655,000 |
| Noninterest expense | 610,000 | 1,287,000 | 1,966,000 | 3,417,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,406,000 | 3,314,000 | 5,696,000 | 7,028,000 |
| Income tax | 26,000 | 58,000 | 97,000 | 119,000 |
| Net income | 1,380,000 | 3,256,000 | 5,599,000 | 6,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,070,000 | 21,235,000 | 23,067,000 | 24,805,000 |
| Total capital | 20,648,000 | 21,831,000 | 23,678,000 | 25,431,000 |
| Risk-weighted assets | 198,346,000 | 214,228,000 | 222,553,000 | 237,396,000 |