Call reports 2008
UNION BANK COMPANY, THE — 2008
What UNION BANK COMPANY, 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 | 572,996,000 | 620,141,000 | 619,009,000 | 615,139,000 |
| Total loans | 388,633,000 | 417,681,000 | 407,155,000 | 418,385,000 |
| Allowance for loan losses | 2,393,000 | 2,513,000 | 2,897,000 | 3,198,000 |
| Securities available for sale | 124,728,000 | 124,029,000 | 127,003,000 | 135,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,060,000 | 459,652,000 | 458,611,000 | 467,210,000 |
| Interest-bearing deposits | 378,741,000 | 420,806,000 | 419,805,000 | 425,234,000 |
| Noninterest-bearing deposits | 38,320,000 | 38,846,000 | 38,806,000 | 41,976,000 |
| Equity capital | 57,200,000 | 57,646,000 | 57,508,000 | 57,004,000 |
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 | 8,665,000 | 17,558,000 | 26,533,000 | 35,208,000 |
| Interest expense | 4,011,000 | 7,811,000 | 11,590,000 | 15,180,000 |
| Net interest income | 4,654,000 | 9,747,000 | 14,943,000 | 20,028,000 |
| Noninterest income | 536,000 | 1,820,000 | 2,569,000 | 2,625,000 |
| Noninterest expense | 3,501,000 | 6,944,000 | 10,645,000 | 14,019,000 |
| Provision for loan losses | 275,000 | 645,000 | 1,245,000 | 2,195,000 |
| Pretax income | 1,435,000 | 4,022,000 | 5,673,000 | 6,488,000 |
| Income tax | 314,000 | 998,000 | 1,367,000 | 1,426,000 |
| Net income | 1,121,000 | 3,024,000 | 4,306,000 | 5,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,562,000 | 50,492,000 | 50,851,000 | 49,745,000 |
| Total capital | 50,955,000 | 53,003,000 | 53,748,000 | 52,943,000 |
| Risk-weighted assets | 430,194,000 | 465,342,000 | 454,417,000 | 452,188,000 |