Call reports 2005
UNION BANKING COMPANY, THE — 2005
What UNION BANKING COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 81,245,000 | 80,361,000 | 80,052,000 | 78,423,000 |
| Total loans | 14,483,000 | 14,838,000 | 14,984,000 | 14,446,000 |
| Allowance for loan losses | 112,000 | 109,000 | 110,000 | 111,000 |
| Securities available for sale | 55,817,000 | 54,569,000 | 53,755,000 | 52,156,000 |
| Securities held to maturity | 6,391,000 | 6,314,000 | 6,224,000 | 6,087,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,522,000 | 36,116,000 | 34,572,000 | 35,095,000 |
| Interest-bearing deposits | 33,959,000 | 33,398,000 | 32,179,000 | 31,617,000 |
| Noninterest-bearing deposits | 2,563,000 | 2,718,000 | 2,393,000 | 3,478,000 |
| Equity capital | 5,683,000 | 6,388,000 | 6,177,000 | 5,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 938,000 | 1,879,000 | 2,818,000 | 3,767,000 |
| Interest expense | 614,000 | 1,243,000 | 1,887,000 | 2,546,000 |
| Net interest income | 324,000 | 636,000 | 931,000 | 1,221,000 |
| Noninterest income | 37,000 | 71,000 | 108,000 | 146,000 |
| Noninterest expense | 173,000 | 345,000 | 510,000 | 750,000 |
| Provision for loan losses | 0 | 0 | 0 | 23,000 |
| Pretax income | 215,000 | 389,000 | 556,000 | 621,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 389,000 | 556,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,381,000 | 6,411,000 | 6,427,000 | 6,225,000 |
| Total capital | 6,493,000 | 6,520,000 | 6,537,000 | 6,336,000 |
| Risk-weighted assets | 28,718,000 | 28,702,000 | 29,354,000 | 28,711,000 |