Call reports 2016
UNION BANK, THE — 2016
What UNION BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 147,770,000 | 149,689,000 | 151,656,000 | 149,364,000 |
| Total loans | 108,769,000 | 114,142,000 | 117,080,000 | 115,104,000 |
| Allowance for loan losses | 1,157,000 | 1,209,000 | 1,327,000 | 1,335,000 |
| Securities available for sale | 11,708,000 | 11,370,000 | 11,390,000 | 10,656,000 |
| Securities held to maturity | 9,629,000 | 9,355,000 | 9,356,000 | 9,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,846,000 | 131,733,000 | 131,475,000 | 132,980,000 |
| Interest-bearing deposits | 105,266,000 | 106,013,000 | 103,452,000 | 106,109,000 |
| Noninterest-bearing deposits | 26,580,000 | 25,720,000 | 28,023,000 | 26,871,000 |
| Equity capital | 14,921,000 | 15,300,000 | 15,060,000 | 15,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,564,000 | 3,175,000 | 4,921,000 | 6,530,000 |
| Interest expense | 196,000 | 397,000 | 599,000 | 803,000 |
| Net interest income | 1,368,000 | 2,778,000 | 4,322,000 | 5,727,000 |
| Noninterest income | 93,000 | 190,000 | 111,000 | 183,000 |
| Noninterest expense | 945,000 | 1,893,000 | 2,866,000 | 3,845,000 |
| Provision for loan losses | 60,000 | 120,000 | 235,000 | 255,000 |
| Pretax income | 456,000 | 955,000 | 1,360,000 | 1,840,000 |
| Income tax | 162,000 | 325,000 | 461,000 | 606,000 |
| Net income | 294,000 | 630,000 | 899,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,151,000 | 13,523,000 | 13,377,000 | 14,247,000 |
| Total capital | 14,308,000 | 14,732,000 | 14,705,000 | 15,582,000 |
| Risk-weighted assets | 116,309,000 | 117,880,000 | 124,218,000 | 123,223,000 |