Call reports 2005
UNION BANK, THE — 2005
What UNION BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 40,513,000 | 42,532,000 | 43,393,000 | 43,790,000 |
| Total loans | 29,854,000 | 33,345,000 | 33,742,000 | 33,508,000 |
| Allowance for loan losses | 402,000 | 405,000 | 393,000 | 391,000 |
| Securities available for sale | 2,181,000 | 2,185,000 | 2,370,000 | 2,157,000 |
| Securities held to maturity | 2,999,000 | 2,995,000 | 2,645,000 | 3,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,776,000 | 37,372,000 | 38,240,000 | 38,883,000 |
| Interest-bearing deposits | 32,689,000 | 32,411,000 | 33,199,000 | 33,725,000 |
| Noninterest-bearing deposits | 4,087,000 | 4,961,000 | 5,041,000 | 5,158,000 |
| Equity capital | 3,355,000 | 3,422,000 | 3,462,000 | 3,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 553,000 | 1,180,000 | 1,846,000 | 2,509,000 |
| Interest expense | 187,000 | 397,000 | 636,000 | 900,000 |
| Net interest income | 366,000 | 783,000 | 1,210,000 | 1,609,000 |
| Noninterest income | 44,000 | 89,000 | 135,000 | 212,000 |
| Noninterest expense | 353,000 | 708,000 | 1,070,000 | 1,488,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 164,000 | 275,000 | 333,000 |
| Income tax | 20,000 | 62,000 | 109,000 | 54,000 |
| Net income | 37,000 | 102,000 | 166,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,366,000 | 3,430,000 | 3,474,000 | 3,527,000 |
| Total capital | 3,768,000 | 3,835,000 | 3,867,000 | 3,918,000 |
| Risk-weighted assets | 33,770,000 | 36,150,000 | 36,619,000 | 36,480,000 |