Call reports 2007
UNION BANK, INC. — 2007
What UNION BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,697,000 | 127,460,000 | 166,744,000 | 156,974,000 |
| Total loans | 69,300,000 | 71,824,000 | 99,545,000 | 97,774,000 |
| Allowance for loan losses | 836,000 | 858,000 | 1,257,000 | 1,088,000 |
| Securities available for sale | 30,170,000 | 34,655,000 | 39,719,000 | 39,225,000 |
| Securities held to maturity | 63,000 | 63,000 | 58,000 | 58,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,342,000 | 110,090,000 | 144,055,000 | 135,002,000 |
| Interest-bearing deposits | 91,957,000 | 95,668,000 | 121,843,000 | 116,870,000 |
| Noninterest-bearing deposits | 12,385,000 | 14,422,000 | 22,212,000 | 18,132,000 |
| Equity capital | 12,781,000 | 12,319,000 | 18,229,000 | 18,649,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,566,000 | 5,574,000 | 8,058,000 |
| Interest expense | 656,000 | 1,372,000 | 2,148,000 | 3,032,000 |
| Net interest income | 1,082,000 | 2,194,000 | 3,426,000 | 5,026,000 |
| Noninterest income | 120,000 | 247,000 | 400,000 | 470,000 |
| Noninterest expense | 961,000 | 1,895,000 | 2,894,000 | 4,118,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 122,000 |
| Pretax income | 214,000 | 489,000 | 845,000 | 1,260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 489,000 | 845,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,763,000 | 6,849,000 | 9,271,000 | 9,511,000 |
| Total capital | 7,599,000 | 7,707,000 | 10,460,000 | 10,599,000 |
| Risk-weighted assets | 69,087,000 | 72,794,000 | 95,068,000 | 91,677,000 |