Call reports 2008
UNION BANK, THE — 2008
What UNION BANK, THE 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 | 57,078,000 | 57,741,000 | 58,703,000 | 60,545,000 |
| Total loans | 43,001,000 | 45,752,000 | 47,151,000 | 45,598,000 |
| Allowance for loan losses | 373,000 | 381,000 | 410,000 | 413,000 |
| Securities available for sale | 3,125,000 | 3,022,000 | 3,345,000 | 3,431,000 |
| Securities held to maturity | 2,793,000 | 2,475,000 | 2,446,000 | 2,514,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,182,000 | 50,925,000 | 51,589,000 | 53,630,000 |
| Interest-bearing deposits | 43,409,000 | 43,183,000 | 43,746,000 | 45,712,000 |
| Noninterest-bearing deposits | 6,773,000 | 7,742,000 | 7,843,000 | 7,918,000 |
| Equity capital | 4,212,000 | 4,263,000 | 4,375,000 | 4,436,000 |
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 | 937,000 | 1,857,000 | 2,789,000 | 3,684,000 |
| Interest expense | 427,000 | 822,000 | 1,192,000 | 1,542,000 |
| Net interest income | 510,000 | 1,035,000 | 1,597,000 | 2,142,000 |
| Noninterest income | 58,000 | 119,000 | 164,000 | 231,000 |
| Noninterest expense | 401,000 | 789,000 | 1,165,000 | 1,573,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 120,000 |
| Pretax income | 152,000 | 335,000 | 536,000 | 680,000 |
| Income tax | 63,000 | 129,000 | 195,000 | 223,000 |
| Net income | 89,000 | 206,000 | 341,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,098,000 | 4,214,000 | 4,311,000 | 4,372,000 |
| Total capital | 4,771,000 | 4,895,000 | 5,021,000 | 5,085,000 |
| Risk-weighted assets | 45,254,000 | 45,764,000 | 46,362,000 | 46,578,000 |