Call reports 2007
UNION BANK COMPANY, THE — 2007
What UNION BANK COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 552,808,000 | 529,170,000 | 550,103,000 | 547,118,000 |
| Total loans | 339,349,000 | 339,854,000 | 349,973,000 | 359,560,000 |
| Allowance for loan losses | 2,211,000 | 2,265,000 | 2,079,000 | 2,233,000 |
| Securities available for sale | 164,456,000 | 142,479,000 | 139,491,000 | 137,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,364,000 | 381,346,000 | 395,357,000 | 396,615,000 |
| Interest-bearing deposits | 352,675,000 | 345,642,000 | 359,553,000 | 354,999,000 |
| Noninterest-bearing deposits | 34,689,000 | 35,704,000 | 35,804,000 | 41,616,000 |
| Equity capital | 53,527,000 | 53,757,000 | 55,653,000 | 54,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,465,000 | 17,265,000 | 25,936,000 | 34,849,000 |
| Interest expense | 4,184,000 | 8,433,000 | 12,599,000 | 16,806,000 |
| Net interest income | 4,281,000 | 8,832,000 | 13,337,000 | 18,043,000 |
| Noninterest income | 1,014,000 | 2,003,000 | 2,535,000 | 3,190,000 |
| Noninterest expense | 3,453,000 | 6,723,000 | 10,162,000 | 13,570,000 |
| Provision for loan losses | 150,000 | 225,000 | 400,000 | 625,000 |
| Pretax income | 1,452,000 | 3,663,000 | 5,086,000 | 6,812,000 |
| Income tax | 314,000 | 888,000 | 1,192,000 | 1,571,000 |
| Net income | 1,138,000 | 2,775,000 | 3,894,000 | 5,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,011,000 | 47,694,000 | 48,915,000 | 47,348,000 |
| Total capital | 48,222,000 | 49,959,000 | 50,994,000 | 49,581,000 |
| Risk-weighted assets | 384,361,000 | 382,095,000 | 400,680,000 | 400,456,000 |
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