Call reports 2008
UNION BANK, THE — 2008
What UNION BANK, THE 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 | 251,095,000 | 257,665,000 | 265,859,000 | 277,520,000 |
| Total loans | 198,525,000 | 201,901,000 | 199,075,000 | 190,198,000 |
| Allowance for loan losses | 1,265,000 | 1,248,000 | 2,850,000 | 3,688,000 |
| Securities available for sale | 22,461,000 | 21,390,000 | 21,055,000 | 51,284,000 |
| Securities held to maturity | 989,000 | 968,000 | 946,000 | 932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,438,000 | 194,773,000 | 201,447,000 | 210,653,000 |
| Interest-bearing deposits | 153,385,000 | 156,931,000 | 162,317,000 | 167,463,000 |
| Noninterest-bearing deposits | 36,053,000 | 37,842,000 | 39,130,000 | 43,190,000 |
| Equity capital | 20,445,000 | 17,005,000 | 20,015,000 | 18,505,000 |
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 | 4,521,000 | 8,714,000 | 13,601,000 | 17,456,000 |
| Interest expense | 1,791,000 | 3,484,000 | 5,158,000 | 7,054,000 |
| Net interest income | 2,730,000 | 5,230,000 | 8,443,000 | 10,402,000 |
| Noninterest income | 454,000 | 925,000 | 1,422,000 | 1,891,000 |
| Noninterest expense | 1,655,000 | 3,424,000 | 4,913,000 | 6,813,000 |
| Provision for loan losses | 0 | 4,241,000 | 5,835,000 | 10,026,000 |
| Pretax income | 1,904,000 | -1,135,000 | -508,000 | -4,171,000 |
| Income tax | 0 | 0 | 0 | -1,518,000 |
| Net income | 1,904,000 | -1,135,000 | -508,000 | -2,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,864,000 | 17,822,000 | 20,840,000 | 18,642,000 |
| Total capital | 22,129,000 | 19,070,000 | 23,352,000 | 21,044,000 |
| Risk-weighted assets | 197,638,000 | 201,713,000 | 200,600,000 | 190,950,000 |