2016 Q2 Form 10-Q Financial Statement

#000119312516676347 Filed on August 09, 2016

View on sec.gov

Income Statement

Concept 2016 Q2 2015 Q2
Revenue $4.416M $4.461M
YoY Change -1.01% -4.27%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $220.0K $230.0K
YoY Change -4.35% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $327.0K $446.0K
YoY Change -26.68% -8.42%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.054M $963.0K
YoY Change 9.45% 13.7%
Income Tax $344.0K $303.0K
% Of Pretax Income 32.64% 31.46%
Net Earnings $562.0K $513.0K
YoY Change 9.55% 14.25%
Net Earnings / Revenue 12.73% 11.5%
Basic Earnings Per Share $0.08 $0.07
Diluted Earnings Per Share $0.08 $0.07
COMMON SHARES
Basic Shares Outstanding 6.978M shares 7.084M shares
Diluted Shares Outstanding 6.978M shares 7.084M shares

Balance Sheet

Concept 2016 Q2 2015 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $51.12M $51.19M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $14.48M $14.82M
YoY Change -2.32% -2.24%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $525.3M $515.8M
YoY Change 1.82% 0.89%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $200.0K $200.0K
YoY Change 0.0% 0.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $1.931M $4.232M
YoY Change -54.37% 12.76%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $200.0K $200.0K
YoY Change 0.0% 0.0%
LONG-TERM LIABILITIES
Long-Term Debt $9.500M $9.600M
YoY Change -1.04% 0.0%
Other Long-Term Liabilities $6.800M $5.600M
YoY Change 21.43% 12.0%
Total Long-Term Liabilities $16.30M $15.20M
YoY Change 7.24% 4.11%
TOTAL LIABILITIES
Total Short-Term Liabilities $200.0K $200.0K
Total Long-Term Liabilities $16.30M $15.20M
Total Liabilities $480.5M $472.6M
YoY Change 1.66% 1.11%
SHAREHOLDERS EQUITY
Retained Earnings $12.82M $11.98M
YoY Change 7.01% 7.63%
Common Stock $20.99M $20.75M
YoY Change 1.14% 131.5%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $34.18M $32.66M
YoY Change
Total Liabilities & Shareholders Equity $525.3M $515.8M
YoY Change 1.82% 0.89%

Cashflow Statement

Concept 2016 Q2 2015 Q2
OPERATING ACTIVITIES
Net Income $562.0K $513.0K
YoY Change 9.55% 14.25%
Depreciation, Depletion And Amortization $220.0K $230.0K
YoY Change -4.35% 0.0%
Cash From Operating Activities $4.050M $690.0K
YoY Change 486.96% -14.81%
INVESTING ACTIVITIES
Capital Expenditures -$110.0K -$370.0K
YoY Change -70.27% 117.65%
Acquisitions
YoY Change
Other Investing Activities -$5.120M -$3.450M
YoY Change 48.41% 13.49%
Cash From Investing Activities -$5.240M -$3.820M
YoY Change 37.17% 19.0%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 5.820M 290.0K
YoY Change 1906.9% -105.11%
NET CHANGE
Cash From Operating Activities 4.050M 690.0K
Cash From Investing Activities -5.240M -3.820M
Cash From Financing Activities 5.820M 290.0K
Net Change In Cash 4.630M -2.840M
YoY Change -263.03% -64.81%
FREE CASH FLOW
Cash From Operating Activities $4.050M $690.0K
Capital Expenditures -$110.0K -$370.0K
Free Cash Flow $4.160M $1.060M
YoY Change 292.45% 8.16%

Facts In Submission

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UWHARRIE CAPITAL CORP
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209000
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1433000
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<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 18pt"> <b>Use of Estimates</b></p> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 6pt"> The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (&#x201C;GAAP&#x201D;), requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses.</p> </div>
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UWHR
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uwhr Short Term Debt Maturity Period
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P1Y
uwhr Accretion Amortization Of Discounts And Premiums Investments Held To Maturity
AccretionAmortizationOfDiscountsAndPremiumsInvestmentsHeldToMaturity
68000
uwhr Increase Decrease In Fair Value Of Securities For Sale Net Of Tax
IncreaseDecreaseInFairValueOfSecuritiesForSaleNetOfTax
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uwhr Payments For Loan Originations
PaymentsForLoanOriginations
49617000
uwhr Interest Earning Deposits With Banks And Federal Funds Sold
InterestEarningDepositsWithBanksAndFederalFundsSold
158000
uwhr Accretion Amortization Of Discounts And Premiums Investments Available For Sale
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493000
uwhr Software Amortization And Maintenance
SoftwareAmortizationAndMaintenance
334000
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P90D
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30000
uwhr Record Preferred Stock Cost Noncontrolling Interest
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207000
uwhr Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
595000
uwhr Payments Of Dividends And Discount Accretion On Minority Interest
PaymentsOfDividendsAndDiscountAccretionOnMinorityInterest
295000
uwhr Impairment Of Foreclosed Real Estate
ImpairmentOfForeclosedRealEstate
34000
uwhr Gains Losses On Sale Of Foreclosed Real Estate
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34000
uwhr Mortgage Servicing Rights Capitalized
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437000
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581000
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277000
CY2015Q2 us-gaap Equipment Expense
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173000
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492000
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24596000
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0
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205000
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0.07
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0.07
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170000
CY2015Q2 us-gaap Interest Expense Now Accounts Money Market Accounts And Savings Deposits
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68000
CY2015Q2 us-gaap Labor And Related Expense
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3226000
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7172000
CY2015Q2 us-gaap Net Income Loss
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513000
CY2015Q2 us-gaap Net Income Loss Attributable To Noncontrolling Interest
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147000
CY2015Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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963000
CY2015Q2 us-gaap Interest Expense
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446000
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203000
CY2015Q2 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
4250000
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265000
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ComprehensiveIncomeNetOfTax
-77000
CY2015Q2 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
38000
CY2015Q2 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
277000
CY2015Q2 us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
147000
CY2015Q2 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
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245000
CY2015Q2 us-gaap Available For Sale Securities Gross Realized Gains
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277000
CY2015Q2 us-gaap Dividends Preferred Stock
DividendsPreferredStock
0
CY2015Q2 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
97000
CY2015Q2 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
155000
CY2015Q2 us-gaap Interest Expense Short Term Borrowings
InterestExpenseShortTermBorrowings
15000
CY2015Q2 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
183000
CY2015Q2 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
3938000
CY2015Q2 us-gaap Gain Loss On Sale Of Other Assets
GainLossOnSaleOfOtherAssets
17000
CY2015Q2 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
65000
CY2015Q2 us-gaap Occupancy Net
OccupancyNet
268000
CY2015Q2 us-gaap Fees And Commissions Other
FeesAndCommissionsOther
1033000
CY2015Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
277000
CY2015Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Reclassification Adjustments Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeReclassificationAdjustmentsNetOfTax
-420000
CY2015Q2 us-gaap Noninterest Expense
NoninterestExpense
5508000
CY2015Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
513000
CY2015Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-590000
CY2015Q2 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
3 Contract
CY2015Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0 shares
CY2015Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
107000
CY2015Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-196000
CY2015Q2 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
4015000
CY2015Q2 us-gaap Interest Income Securities Other Us Government
InterestIncomeSecuritiesOtherUSGovernment
327000
CY2015Q2 us-gaap Other Noninterest Expense
OtherNoninterestExpense
649000
CY2015Q2 us-gaap Interest Expense Long Term Debt
InterestExpenseLongTermDebt
137000
CY2015Q2 us-gaap Interest Income Securities State And Municipal
InterestIncomeSecuritiesStateAndMunicipal
87000
CY2015Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-616000
CY2015Q2 us-gaap Interest Income Securities Us Treasury
InterestIncomeSecuritiesUSTreasury
67000
CY2015Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
303000
CY2015Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
4461000
CY2016Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.08
CY2016Q2 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
660000
CY2016Q2 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
72000
CY2016Q2 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
337000
CY2016Q2 us-gaap Comprehensive Income Net Of Tax Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest
148000
CY2015Q2 us-gaap Marketing Expense
MarketingExpense
178000
CY2015Q2 us-gaap Noninterest Income
NoninterestIncome
2221000
CY2015Q2 us-gaap Interest Expense Savings Deposits
InterestExpenseSavingsDeposits
10000
CY2015Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Before Reclassification Adjustments Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesBeforeReclassificationAdjustmentsTax
196000
CY2015Q2 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
70000
CY2015Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7084004 shares
CY2015Q2 us-gaap Supplies Expense
SuppliesExpense
53000
CY2015Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7084004 shares
CY2015Q2 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-235000
CY2015Q2 us-gaap Professional Fees
ProfessionalFees
133000
CY2015Q2 us-gaap Profit Loss
ProfitLoss
660000
CY2015Q2 us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
7084004 shares
CY2015Q2 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
91000
CY2015Q2 uwhr Interest Earning Deposits With Banks And Federal Funds Sold
InterestEarningDepositsWithBanksAndFederalFundsSold
42000
CY2015Q2 uwhr Software Amortization And Maintenance
SoftwareAmortizationAndMaintenance
134000
CY2015Q2 uwhr Interest Expense Time Deposits250000 Or More
InterestExpenseTimeDeposits250000OrMore
13000
CY2015Q2 uwhr Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
311000
CY2015Q2 uwhr Electronic Banking Expense
ElectronicBankingExpense
259000
CY2016Q2 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
337000
CY2016Q2 us-gaap Equipment Expense
EquipmentExpense
160000
CY2016Q2 us-gaap Gain Loss On Sale Of Mortgage Loans
GainLossOnSaleOfMortgageLoans
958000
CY2016Q2 us-gaap Available For Sale Securities Gross Realized Gains Losses Sale Proceeds
AvailableForSaleSecuritiesGrossRealizedGainsLossesSaleProceeds
9980000
CY2016Q2 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
0
CY2016Q2 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
64000
CY2016Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.08
CY2016Q2 us-gaap Allowance For Loan And Lease Losses Adjustments Net
AllowanceForLoanAndLeaseLossesAdjustmentsNet
8000
CY2016Q2 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
268000
CY2016Q2 us-gaap Available For Sale Securities Gross Realized Gains
AvailableForSaleSecuritiesGrossRealizedGains
337000
CY2016Q2 us-gaap Dividends Preferred Stock
DividendsPreferredStock
0
CY2016Q2 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
85000
CY2016Q2 us-gaap Foreclosed Real Estate Expense
ForeclosedRealEstateExpense
98000
CY2016Q2 us-gaap Interest Expense Short Term Borrowings
InterestExpenseShortTermBorrowings
8000
CY2016Q2 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
188000
CY2016Q2 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
3897000
CY2016Q2 us-gaap Gain Loss On Sale Of Other Assets
GainLossOnSaleOfOtherAssets
32000
CY2016Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
207000
CY2016Q2 us-gaap Interest Expense Now Accounts Money Market Accounts And Savings Deposits
InterestExpenseNOWAccountsMoneyMarketAccountsAndSavingsDeposits
75000
CY2016Q2 us-gaap Labor And Related Expense
LaborAndRelatedExpense
3603000
CY2016Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
5592000
CY2016Q2 us-gaap Net Income Loss
NetIncomeLoss
562000
CY2016Q2 us-gaap Net Income Loss Attributable To Noncontrolling Interest
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148000
CY2016Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1054000
CY2016Q2 us-gaap Interest Expense
InterestExpense
327000
CY2016Q2 us-gaap Interest Expense Time Deposits Less Than100000
InterestExpenseTimeDepositsLessThan100000
83000
CY2016Q2 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
4201000
CY2016Q2 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
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329000
CY2016Q2 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
67000
CY2016Q2 us-gaap Occupancy Net
OccupancyNet
266000
CY2016Q2 us-gaap Fees And Commissions Other
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1147000
CY2016Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
337000
CY2016Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Adjustment Before Reclassification Adjustments Net Of Tax
OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeReclassificationAdjustmentsNetOfTax
305000
CY2016Q2 us-gaap Noninterest Expense
NoninterestExpense
6040000
CY2016Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
562000
CY2016Q2 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
98000
CY2016Q2 us-gaap Financing Receivable Modifications Number Of Contracts2
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2 Contract
CY2016Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
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0 shares
CY2016Q2 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
130000
CY2016Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
180000
CY2016Q2 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
4089000
CY2016Q2 us-gaap Interest Income Securities Other Us Government
InterestIncomeSecuritiesOtherUSGovernment
223000
CY2016Q2 us-gaap Other Noninterest Expense
OtherNoninterestExpense
746000
CY2016Q2 us-gaap Interest Expense Long Term Debt
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137000
CY2016Q2 us-gaap Interest Income Securities State And Municipal
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214000
CY2016Q2 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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485000
CY2016Q2 us-gaap Interest Income Securities Us Treasury
InterestIncomeSecuritiesUSTreasury
12000
CY2016Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
4416000
CY2016Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
344000
CY2016Q2 us-gaap Marketing Expense
MarketingExpense
226000
CY2016Q2 us-gaap Noninterest Income
NoninterestIncome
2893000
CY2016Q2 us-gaap Interest Expense Savings Deposits
InterestExpenseSavingsDeposits
12000
CY2016Q2 us-gaap Other Comprehensive Income Loss Available For Sale Securities Before Reclassification Adjustments Tax
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180000
CY2016Q2 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
808000
CY2016Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
6977931 shares
CY2016Q2 us-gaap Supplies Expense
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41000
CY2016Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
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6977931 shares
CY2016Q2 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-112000
CY2016Q2 us-gaap Professional Fees
ProfessionalFees
178000
CY2016Q2 us-gaap Profit Loss
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710000
CY2016Q2 us-gaap Weighted Average Number Of Shares Issued Basic
WeightedAverageNumberOfSharesIssuedBasic
6977931 shares
CY2016Q2 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
130000
CY2016Q2 uwhr Interest Earning Deposits With Banks And Federal Funds Sold
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70000
CY2016Q2 uwhr Software Amortization And Maintenance
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179000
CY2016Q2 uwhr Interest Expense Time Deposits250000 Or More
InterestExpenseTimeDeposits250000OrMore
12000
CY2016Q2 uwhr Service Charges On Deposit Accounts
ServiceChargesOnDepositAccounts
289000
CY2016Q2 uwhr Electronic Banking Expense
ElectronicBankingExpense
270000

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