Call reports 2009
UNION BANK, INC. — 2009
What UNION BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 172,617,000 | 172,757,000 | 175,789,000 | 173,831,000 |
| Total loans | 87,652,000 | 86,943,000 | 85,588,000 | 85,100,000 |
| Allowance for loan losses | 1,152,000 | 1,179,000 | 1,157,000 | 1,150,000 |
| Securities available for sale | 57,640,000 | 61,905,000 | 63,782,000 | 65,172,000 |
| Securities held to maturity | 44,000 | 44,000 | 39,000 | 39,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,925,000 | 147,353,000 | 151,742,000 | 147,558,000 |
| Interest-bearing deposits | 118,213,000 | 128,022,000 | 133,782,000 | 128,788,000 |
| Noninterest-bearing deposits | 30,712,000 | 19,331,000 | 17,960,000 | 18,770,000 |
| Equity capital | 20,092,000 | 20,251,000 | 20,721,000 | 20,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,231,000 | 4,460,000 | 6,670,000 | 8,871,000 |
| Interest expense | 679,000 | 1,401,000 | 2,023,000 | 2,656,000 |
| Net interest income | 1,552,000 | 3,059,000 | 4,647,000 | 6,215,000 |
| Noninterest income | 167,000 | 360,000 | 559,000 | 763,000 |
| Noninterest expense | 1,201,000 | 2,481,000 | 3,698,000 | 4,898,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 120,000 |
| Pretax income | 482,000 | 866,000 | 1,420,000 | 1,980,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 482,000 | 866,000 | 1,420,000 | 1,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,321,000 | 10,536,000 | 10,696,000 | 10,879,000 |
| Total capital | 11,425,000 | 11,622,000 | 11,788,000 | 11,969,000 |
| Risk-weighted assets | 88,303,000 | 86,769,000 | 87,323,000 | 87,133,000 |