Call reports 2013
UNION BANK COMPANY, THE — 2013
What UNION BANK COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 568,930,000 | 556,465,000 | 558,938,000 | 555,327,000 |
| Total loans | 301,099,000 | 301,364,000 | 299,824,000 | 295,737,000 |
| Allowance for loan losses | 5,923,000 | 5,408,000 | 4,751,000 | 4,014,000 |
| Securities available for sale | 183,196,000 | 185,517,000 | 192,423,000 | 197,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,032,000 | 462,866,000 | 462,450,000 | 469,070,000 |
| Interest-bearing deposits | 403,871,000 | 394,632,000 | 388,179,000 | 382,231,000 |
| Noninterest-bearing deposits | 68,161,000 | 68,234,000 | 74,271,000 | 86,839,000 |
| Equity capital | 71,369,000 | 69,394,000 | 70,732,000 | 70,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,837,000 | 9,737,000 | 14,649,000 | 19,854,000 |
| Interest expense | 730,000 | 1,458,000 | 2,188,000 | 2,897,000 |
| Net interest income | 4,107,000 | 8,279,000 | 12,461,000 | 16,957,000 |
| Noninterest income | 994,000 | 2,291,000 | 3,183,000 | 4,334,000 |
| Noninterest expense | 3,675,000 | 7,200,000 | 10,984,000 | 15,584,000 |
| Provision for loan losses | 0 | 0 | -300,000 | -833,000 |
| Pretax income | 1,555,000 | 3,505,000 | 5,095,000 | 6,674,000 |
| Income tax | 340,000 | 820,000 | 1,170,000 | 1,510,000 |
| Net income | 1,215,000 | 2,685,000 | 3,925,000 | 5,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,634,000 | 60,904,000 | 62,155,000 | 63,378,000 |
| Total capital | 64,358,000 | 65,806,000 | 66,945,000 | 67,432,000 |
| Risk-weighted assets | 376,671,000 | 391,599,000 | 385,452,000 | 381,681,000 |