Call reports 2006
UNION BANK, THE — 2006
What UNION BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 45,214,000 | 48,035,000 | 50,015,000 | 49,438,000 |
| Total loans | 34,617,000 | 37,433,000 | 39,436,000 | 39,003,000 |
| Allowance for loan losses | 330,000 | 338,000 | 327,000 | 341,000 |
| Securities available for sale | 2,159,000 | 2,161,000 | 1,876,000 | 1,384,000 |
| Securities held to maturity | 3,414,000 | 3,380,000 | 3,382,000 | 3,887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,185,000 | 42,631,000 | 41,502,000 | 42,802,000 |
| Interest-bearing deposits | 35,862,000 | 37,055,000 | 36,074,000 | 37,276,000 |
| Noninterest-bearing deposits | 5,323,000 | 5,576,000 | 5,428,000 | 5,526,000 |
| Equity capital | 3,528,000 | 3,615,000 | 3,680,000 | 3,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 691,000 | 1,450,000 | 2,281,000 | 3,122,000 |
| Interest expense | 280,000 | 596,000 | 982,000 | 1,376,000 |
| Net interest income | 411,000 | 854,000 | 1,299,000 | 1,746,000 |
| Noninterest income | 47,000 | 102,000 | 150,000 | 210,000 |
| Noninterest expense | 392,000 | 750,000 | 1,107,000 | 1,478,000 |
| Provision for loan losses | 7,000 | 14,000 | 21,000 | 36,000 |
| Pretax income | 59,000 | 192,000 | 321,000 | 442,000 |
| Income tax | 30,000 | 76,000 | 118,000 | 163,000 |
| Net income | 29,000 | 116,000 | 203,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,546,000 | 3,634,000 | 3,691,000 | 3,703,000 |
| Total capital | 3,876,000 | 3,972,000 | 4,018,000 | 4,044,000 |
| Risk-weighted assets | 37,357,000 | 39,108,000 | 40,784,000 | 40,068,000 |