Call reports 2015
UNION BANK — 2015
What UNION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 219,200,000 | 213,489,000 | 214,234,000 | 213,846,000 |
| Total loans | 118,155,000 | 121,373,000 | 122,500,000 | 121,532,000 |
| Allowance for loan losses | 2,227,000 | 2,138,000 | 2,140,000 | 1,803,000 |
| Securities available for sale | 61,501,000 | 62,230,000 | 60,290,000 | 48,914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,570,000 | 190,049,000 | 190,001,000 | 189,815,000 |
| Interest-bearing deposits | 162,008,000 | 155,610,000 | 154,337,000 | 153,509,000 |
| Noninterest-bearing deposits | 33,562,000 | 34,439,000 | 35,664,000 | 36,306,000 |
| Equity capital | 22,140,000 | 21,997,000 | 22,757,000 | 22,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,466,000 | 6,763,000 | 8,944,000 |
| Interest expense | 296,000 | 594,000 | 889,000 | 1,181,000 |
| Net interest income | 1,920,000 | 3,872,000 | 5,874,000 | 7,763,000 |
| Noninterest income | 162,000 | 325,000 | 479,000 | 551,000 |
| Noninterest expense | 1,622,000 | 3,020,000 | 4,528,000 | 6,051,000 |
| Provision for loan losses | 200,000 | 350,000 | 525,000 | 525,000 |
| Pretax income | 230,000 | 758,000 | 1,211,000 | 1,689,000 |
| Income tax | 51,000 | 225,000 | 337,000 | 497,000 |
| Net income | 179,000 | 533,000 | 874,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,964,000 | 22,318,000 | 22,659,000 | 22,789,000 |
| Total capital | 23,640,000 | 23,977,000 | 24,373,000 | 24,483,000 |
| Risk-weighted assets | 133,583,000 | 132,305,000 | 136,735,000 | 135,444,000 |