Call reports 2009
UNION BANK COMPANY, THE — 2009
What UNION BANK COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 622,108,000 | 608,114,000 | 600,385,000 | 615,029,000 |
| Total loans | 421,043,000 | 421,816,000 | 414,769,000 | 407,815,000 |
| Allowance for loan losses | 3,667,000 | 3,797,000 | 7,464,000 | 4,804,000 |
| Securities available for sale | 136,131,000 | 132,131,000 | 131,920,000 | 138,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,548,000 | 461,261,000 | 452,539,000 | 472,469,000 |
| Interest-bearing deposits | 434,039,000 | 419,490,000 | 410,364,000 | 426,692,000 |
| Noninterest-bearing deposits | 38,509,000 | 41,770,000 | 42,175,000 | 45,777,000 |
| Equity capital | 59,866,000 | 61,062,000 | 62,382,000 | 60,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,399,000 | 16,742,000 | 25,041,000 | 32,867,000 |
| Interest expense | 3,246,000 | 6,337,000 | 9,286,000 | 11,913,000 |
| Net interest income | 5,153,000 | 10,405,000 | 15,755,000 | 20,954,000 |
| Noninterest income | 978,000 | 2,440,000 | 3,287,000 | 4,363,000 |
| Noninterest expense | 3,470,000 | 7,203,000 | 10,734,000 | 14,023,000 |
| Provision for loan losses | 600,000 | 1,775,000 | 5,725,000 | 7,525,000 |
| Pretax income | 2,066,000 | 3,997,000 | 2,713,000 | 3,898,000 |
| Income tax | 504,000 | 948,000 | 322,000 | 510,000 |
| Net income | 1,562,000 | 3,049,000 | 2,391,000 | 3,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,365,000 | 52,876,000 | 52,287,000 | 50,330,000 |
| Total capital | 55,032,000 | 56,673,000 | 58,035,000 | 55,134,000 |
| Risk-weighted assets | 453,931,000 | 462,609,000 | 458,132,000 | 467,952,000 |