Call reports 2008
UNION BANK, INC. — 2008
What UNION BANK, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 163,922,000 | 168,063,000 | 171,578,000 | 167,386,000 |
| Total loans | 93,590,000 | 92,269,000 | 90,739,000 | 89,699,000 |
| Allowance for loan losses | 1,083,000 | 1,116,000 | 1,144,000 | 1,128,000 |
| Securities available for sale | 42,045,000 | 54,210,000 | 49,341,000 | 55,598,000 |
| Securities held to maturity | 54,000 | 54,000 | 49,000 | 49,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,581,000 | 146,303,000 | 147,229,000 | 140,721,000 |
| Interest-bearing deposits | 121,934,000 | 126,088,000 | 127,263,000 | 121,664,000 |
| Noninterest-bearing deposits | 19,647,000 | 20,215,000 | 19,966,000 | 19,057,000 |
| Equity capital | 19,255,000 | 18,426,000 | 18,810,000 | 19,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,334,000 | 4,675,000 | 7,031,000 | 9,363,000 |
| Interest expense | 819,000 | 1,648,000 | 2,416,000 | 3,177,000 |
| Net interest income | 1,515,000 | 3,027,000 | 4,615,000 | 6,186,000 |
| Noninterest income | 167,000 | 334,000 | 529,000 | 705,000 |
| Noninterest expense | 1,226,000 | 2,413,000 | 3,604,000 | 4,781,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 144,000 |
| Pretax income | 442,000 | 899,000 | 1,470,000 | 2,006,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 442,000 | 899,000 | 1,470,000 | 2,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,636,000 | 10,192,000 | 10,277,000 | 10,532,000 |
| Total capital | 10,719,000 | 11,308,000 | 11,397,000 | 11,649,000 |
| Risk-weighted assets | 91,185,000 | 91,510,000 | 89,597,000 | 89,315,000 |