Call reports 2005
UNION BANK — 2005
What UNION BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 163,717,000 | 166,535,000 | 167,520,000 | 167,799,000 |
| Total loans | 133,412,000 | 139,211,000 | 141,301,000 | 139,449,000 |
| Allowance for loan losses | 2,133,000 | 2,072,000 | 2,150,000 | 1,970,000 |
| Securities available for sale | 13,885,000 | 13,666,000 | 13,184,000 | 13,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,915,000 | 127,204,000 | 126,704,000 | 125,664,000 |
| Interest-bearing deposits | 111,174,000 | 109,286,000 | 109,556,000 | 106,771,000 |
| Noninterest-bearing deposits | 16,741,000 | 17,918,000 | 17,148,000 | 18,893,000 |
| Equity capital | 14,832,000 | 14,896,000 | 15,181,000 | 15,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,505,000 | 5,127,000 | 7,925,000 | 10,674,000 |
| Interest expense | 729,000 | 1,523,000 | 2,400,000 | 3,283,000 |
| Net interest income | 1,776,000 | 3,604,000 | 5,525,000 | 7,391,000 |
| Noninterest income | 348,000 | 677,000 | 970,000 | 1,239,000 |
| Noninterest expense | 1,195,000 | 2,452,000 | 3,723,000 | 4,987,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 400,000 |
| Pretax income | 854,000 | 1,682,000 | 2,550,000 | 3,246,000 |
| Income tax | 278,000 | 549,000 | 832,000 | 1,058,000 |
| Net income | 576,000 | 1,133,000 | 1,718,000 | 2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,853,000 | 13,900,000 | 14,185,000 | 14,095,000 |
| Total capital | 15,632,000 | 15,754,000 | 16,074,000 | 15,985,000 |
| Risk-weighted assets | 141,929,000 | 148,079,000 | 150,828,000 | 151,085,000 |
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