Call reports 2008
UNION BANK — 2008
What UNION BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 160,534,000 | 157,097,000 | 158,317,000 | 156,298,000 |
| Total loans | 82,664,000 | 87,681,000 | 89,975,000 | 91,237,000 |
| Allowance for loan losses | 877,000 | 900,000 | 935,000 | 777,000 |
| Securities available for sale | 51,768,000 | 53,190,000 | 53,013,000 | 46,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,306,000 | 136,361,000 | 137,142,000 | 135,501,000 |
| Interest-bearing deposits | 118,666,000 | 115,398,000 | 116,625,000 | 114,265,000 |
| Noninterest-bearing deposits | 20,640,000 | 20,963,000 | 20,517,000 | 21,236,000 |
| Equity capital | 19,254,000 | 18,606,000 | 19,434,000 | 19,260,000 |
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 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,532,000 | 4,980,000 | 7,388,000 | 9,720,000 |
| Interest expense | 1,148,000 | 2,154,000 | 3,066,000 | 3,863,000 |
| Net interest income | 1,384,000 | 2,826,000 | 4,322,000 | 5,857,000 |
| Noninterest income | 276,000 | 543,000 | 749,000 | 739,000 |
| Noninterest expense | 967,000 | 1,847,000 | 2,833,000 | 3,914,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 635,000 | 1,418,000 | 2,074,000 | 2,463,000 |
| Income tax | 203,000 | 431,000 | 641,000 | 743,000 |
| Net income | 432,000 | 987,000 | 1,433,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,661,000 | 18,791,000 | 19,237,000 | 19,160,000 |
| Total capital | 19,538,000 | 19,691,000 | 20,172,000 | 19,937,000 |
| Risk-weighted assets | 94,859,000 | 98,666,000 | 100,242,000 | 100,572,000 |