Call reports 2005
UNION BANK, INC. — 2005
What UNION BANK, INC. 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 | 83,573,000 | 85,520,000 | 90,106,000 | 88,380,000 |
| Total loans | 44,726,000 | 46,371,000 | 47,088,000 | 47,210,000 |
| Allowance for loan losses | 629,000 | 656,000 | 679,000 | 677,000 |
| Securities available for sale | 27,024,000 | 26,328,000 | 26,678,000 | 29,011,000 |
| Securities held to maturity | 280,000 | 80,000 | 76,000 | 76,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,142,000 | 59,023,000 | 63,455,000 | 62,521,000 |
| Interest-bearing deposits | 51,801,000 | 52,448,000 | 6,792,000 | 55,183,000 |
| Noninterest-bearing deposits | 6,341,000 | 6,575,000 | 56,663,000 | 7,338,000 |
| Equity capital | 12,461,000 | 12,654,000 | 12,701,000 | 12,377,000 |
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 | 1,031,000 | 2,151,000 | 3,315,000 | 4,527,000 |
| Interest expense | 293,000 | 632,000 | 1,017,000 | 1,429,000 |
| Net interest income | 738,000 | 1,519,000 | 2,298,000 | 3,098,000 |
| Noninterest income | 80,000 | 178,000 | 271,000 | 352,000 |
| Noninterest expense | 603,000 | 1,211,000 | 1,835,000 | 2,483,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 190,000 | 439,000 | 661,000 | 870,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 190,000 | 439,000 | 661,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,873,000 | 8,851,000 | 9,019,000 | 9,026,000 |
| Total capital | 9,485,000 | 9,482,000 | 9,655,000 | 9,660,000 |
| Risk-weighted assets | 48,926,000 | 50,424,000 | 50,827,000 | 50,696,000 |