Call reports 2016
UNION BANK COMPANY, THE — 2016
What UNION BANK COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 616,312,000 | 616,022,000 | 615,230,000 | 631,716,000 |
| Total loans | 359,306,000 | 360,587,000 | 359,244,000 | 377,596,000 |
| Allowance for loan losses | 3,650,000 | 3,368,000 | 3,388,000 | 3,345,000 |
| Securities available for sale | 183,780,000 | 184,867,000 | 192,033,000 | 190,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,650,000 | 513,784,000 | 518,769,000 | 524,973,000 |
| Interest-bearing deposits | 423,988,000 | 424,692,000 | 429,376,000 | 426,765,000 |
| Noninterest-bearing deposits | 102,662,000 | 89,092,000 | 89,393,000 | 98,208,000 |
| Equity capital | 84,479,000 | 85,785,000 | 86,021,000 | 83,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,245,000 | 10,548,000 | 16,089,000 | 21,626,000 |
| Interest expense | 396,000 | 830,000 | 1,287,000 | 1,735,000 |
| Net interest income | 4,849,000 | 9,718,000 | 14,802,000 | 19,891,000 |
| Noninterest income | 998,000 | 2,045,000 | 3,315,000 | 4,746,000 |
| Noninterest expense | 4,314,000 | 8,536,000 | 12,857,000 | 17,146,000 |
| Provision for loan losses | -400,000 | -700,000 | -700,000 | -750,000 |
| Pretax income | 2,053,000 | 4,063,000 | 6,119,000 | 8,399,000 |
| Income tax | 520,000 | 1,030,000 | 1,550,000 | 2,175,000 |
| Net income | 1,533,000 | 3,033,000 | 4,569,000 | 6,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,392,000 | 71,023,000 | 71,889,000 | 73,559,000 |
| Total capital | 74,095,000 | 74,443,000 | 75,333,000 | 76,959,000 |
| Risk-weighted assets | 434,714,000 | 442,642,000 | 444,986,000 | 463,947,000 |