Call reports 2009
UNION BANK — 2009
What UNION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 163,951,000 | 161,790,000 | 162,436,000 | 165,259,000 |
| Total loans | 92,788,000 | 96,674,000 | 100,389,000 | 103,149,000 |
| Allowance for loan losses | 864,000 | 921,000 | 938,000 | 985,000 |
| Securities available for sale | 46,527,000 | 44,466,000 | 41,114,000 | 35,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,741,000 | 140,932,000 | 140,373,000 | 143,794,000 |
| Interest-bearing deposits | 121,548,000 | 121,223,000 | 121,565,000 | 121,572,000 |
| Noninterest-bearing deposits | 21,193,000 | 19,709,000 | 18,808,000 | 22,222,000 |
| Equity capital | 19,742,000 | 19,368,000 | 20,458,000 | 20,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,260,000 | 6,390,000 | 8,490,000 |
| Interest expense | 746,000 | 1,464,000 | 2,116,000 | 2,704,000 |
| Net interest income | 1,410,000 | 2,796,000 | 4,274,000 | 5,786,000 |
| Noninterest income | 214,000 | 369,000 | 591,000 | 809,000 |
| Noninterest expense | 957,000 | 2,195,000 | 3,136,000 | 4,275,000 |
| Provision for loan losses | 140,000 | 230,000 | 330,000 | 450,000 |
| Pretax income | 527,000 | 756,000 | 1,414,000 | 1,887,000 |
| Income tax | 146,000 | 235,000 | 417,000 | 527,000 |
| Net income | 381,000 | 521,000 | 997,000 | 1,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,541,000 | 19,301,000 | 19,777,000 | 19,760,000 |
| Total capital | 20,405,000 | 20,222,000 | 20,715,000 | 20,745,000 |
| Risk-weighted assets | 103,092,000 | 106,467,000 | 109,915,000 | 113,851,000 |