Call reports 2006
UNION BANK, INC. — 2006
What UNION BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 131,146,000 | 124,056,000 | 126,083,000 | 122,776,000 |
| Total loans | 67,863,000 | 66,804,000 | 67,458,000 | 69,110,000 |
| Allowance for loan losses | 744,000 | 755,000 | 784,000 | 805,000 |
| Securities available for sale | 32,314,000 | 36,763,000 | 37,959,000 | 37,995,000 |
| Securities held to maturity | 72,000 | 71,000 | 67,000 | 67,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,695,000 | 104,886,000 | 106,123,000 | 102,059,000 |
| Interest-bearing deposits | 90,328,000 | 89,174,000 | 92,932,000 | 89,542,000 |
| Noninterest-bearing deposits | 14,367,000 | 15,712,000 | 13,191,000 | 12,517,000 |
| Equity capital | 12,863,000 | 12,026,000 | 12,629,000 | 12,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,304,000 | 3,025,000 | 4,815,000 | 6,643,000 |
| Interest expense | 435,000 | 1,041,000 | 1,728,000 | 2,440,000 |
| Net interest income | 869,000 | 1,984,000 | 3,087,000 | 4,203,000 |
| Noninterest income | 81,000 | 196,000 | 322,000 | 444,000 |
| Noninterest expense | 746,000 | 1,718,000 | 2,695,000 | 3,677,000 |
| Provision for loan losses | 24,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 180,000 | 412,000 | 634,000 | 859,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 180,000 | 412,000 | 634,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,168,000 | 6,814,000 | 6,771,000 | 6,814,000 |
| Total capital | 7,912,000 | 7,569,000 | 7,555,000 | 7,619,000 |
| Risk-weighted assets | 70,216,000 | 69,663,000 | 70,644,000 | 71,075,000 |