Call reports 2013
UNION BANK, INC. — 2013
What UNION BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 223,124,000 | 210,620,000 | 204,136,000 | 210,232,000 |
| Total loans | 76,933,000 | 79,547,000 | 79,203,000 | 81,359,000 |
| Allowance for loan losses | 957,000 | 974,000 | 988,000 | 965,000 |
| Securities available for sale | 98,160,000 | 98,491,000 | 94,025,000 | 92,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,259,000 | 185,522,000 | 177,430,000 | 184,831,000 |
| Interest-bearing deposits | 149,639,000 | 152,867,000 | 145,875,000 | 146,632,000 |
| Noninterest-bearing deposits | 46,620,000 | 32,655,000 | 31,555,000 | 38,199,000 |
| Equity capital | 24,367,000 | 22,782,000 | 22,778,000 | 22,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,781,000 | 3,575,000 | 5,387,000 | 7,193,000 |
| Interest expense | 321,000 | 614,000 | 865,000 | 1,109,000 |
| Net interest income | 1,460,000 | 2,961,000 | 4,522,000 | 6,084,000 |
| Noninterest income | 233,000 | 460,000 | 686,000 | 921,000 |
| Noninterest expense | 1,208,000 | 2,351,000 | 3,572,000 | 4,786,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 470,000 | 1,040,000 | 1,617,000 | 2,185,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 470,000 | 1,040,000 | 1,617,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,765,000 | 14,038,000 | 14,370,000 | 14,668,000 |
| Total capital | 14,722,000 | 15,012,000 | 15,358,000 | 15,633,000 |
| Risk-weighted assets | 87,728,000 | 89,805,000 | 90,783,000 | 93,308,000 |