Call reports 2005
UNION BANK COMPANY, THE — 2005
What UNION BANK COMPANY, THE 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 | 551,428,000 | 545,394,000 | 540,148,000 | 534,739,000 |
| Total loans | 312,033,000 | 313,632,000 | 314,339,000 | 310,005,000 |
| Allowance for loan losses | 2,835,000 | 2,877,000 | 2,616,000 | 2,540,000 |
| Securities available for sale | 207,104,000 | 189,139,000 | 184,563,000 | 183,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,006,000 | 366,073,000 | 357,842,000 | 361,967,000 |
| Interest-bearing deposits | 339,125,000 | 331,158,000 | 324,098,000 | 327,208,000 |
| Noninterest-bearing deposits | 31,881,000 | 34,915,000 | 33,744,000 | 34,759,000 |
| Equity capital | 51,203,000 | 53,187,000 | 53,195,000 | 48,006,000 |
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 | 7,277,000 | 14,815,000 | 22,387,000 | 30,058,000 |
| Interest expense | 2,672,000 | 5,466,000 | 8,346,000 | 11,340,000 |
| Net interest income | 4,605,000 | 9,349,000 | 14,041,000 | 18,718,000 |
| Noninterest income | 617,000 | 1,247,000 | 1,917,000 | 2,605,000 |
| Noninterest expense | 3,453,000 | 6,963,000 | 10,296,000 | 13,667,000 |
| Provision for loan losses | 150,000 | 325,000 | 512,000 | 612,000 |
| Pretax income | 1,665,000 | 3,428,000 | 5,270,000 | 7,050,000 |
| Income tax | 442,000 | 905,000 | 1,344,000 | 1,688,000 |
| Net income | 1,223,000 | 2,523,000 | 3,926,000 | 5,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,425,000 | 44,311,000 | 45,255,000 | 41,024,000 |
| Total capital | 46,260,000 | 47,188,000 | 47,871,000 | 43,564,000 |
| Risk-weighted assets | 337,621,000 | 343,736,000 | 348,151,000 | 342,856,000 |
Machine access — free, no API key
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