Call reports 2015
UNION BANK, THE — 2015
What UNION BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 152,684,000 | 150,641,000 | 149,744,000 | 144,524,000 |
| Total loans | 104,675,000 | 113,539,000 | 114,753,000 | 109,497,000 |
| Allowance for loan losses | 1,109,000 | 1,216,000 | 1,100,000 | 1,099,000 |
| Securities available for sale | 12,238,000 | 12,278,000 | 12,451,000 | 10,941,000 |
| Securities held to maturity | 9,257,000 | 9,478,000 | 9,479,000 | 9,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,176,000 | 132,011,000 | 126,401,000 | 127,996,000 |
| Interest-bearing deposits | 109,099,000 | 103,238,000 | 99,946,000 | 100,111,000 |
| Noninterest-bearing deposits | 28,077,000 | 28,773,000 | 26,455,000 | 27,885,000 |
| Equity capital | 14,405,000 | 14,658,000 | 14,458,000 | 14,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,576,000 | 3,110,000 | 4,737,000 | 6,395,000 |
| Interest expense | 208,000 | 414,000 | 615,000 | 824,000 |
| Net interest income | 1,368,000 | 2,696,000 | 4,122,000 | 5,571,000 |
| Noninterest income | 97,000 | 193,000 | 308,000 | 402,000 |
| Noninterest expense | 820,000 | 1,641,000 | 2,529,000 | 3,488,000 |
| Provision for loan losses | 172,000 | 270,000 | 942,000 | 1,164,000 |
| Pretax income | 473,000 | 978,000 | 959,000 | 1,321,000 |
| Income tax | 150,000 | 298,000 | 127,000 | 308,000 |
| Net income | 323,000 | 680,000 | 832,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,986,000 | 12,819,000 | 12,812,000 | 13,022,000 |
| Total capital | 13,095,000 | 14,035,000 | 13,912,000 | 14,121,000 |
| Risk-weighted assets | 111,357,000 | 118,553,000 | 122,285,000 | 118,036,000 |