Call reports 2005
UNION BANK — 2005
What UNION BANK 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 | 352,116,000 | 360,744,000 | 376,419,000 | 374,168,000 |
| Total loans | 277,713,000 | 292,187,000 | 297,020,000 | 307,073,000 |
| Allowance for loan losses | 3,068,000 | 3,022,000 | 3,023,000 | 3,071,000 |
| Securities available for sale | 37,829,000 | 31,712,000 | 34,945,000 | 32,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,197,000 | 303,669,000 | 318,987,000 | 314,080,000 |
| Interest-bearing deposits | 245,683,000 | 256,748,000 | 266,572,000 | 260,611,000 |
| Noninterest-bearing deposits | 53,514,000 | 46,921,000 | 52,415,000 | 53,469,000 |
| Equity capital | 40,236,000 | 40,678,000 | 41,084,000 | 41,450,000 |
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 | 5,137,000 | 10,495,000 | 16,282,000 | 22,274,000 |
| Interest expense | 858,000 | 1,879,000 | 3,148,000 | 4,498,000 |
| Net interest income | 4,279,000 | 8,616,000 | 13,134,000 | 17,776,000 |
| Noninterest income | 868,000 | 1,754,000 | 2,646,000 | 3,866,000 |
| Noninterest expense | 3,087,000 | 6,246,000 | 9,523,000 | 12,732,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 2,060,000 | 4,125,000 | 6,258,000 | 8,995,000 |
| Income tax | 616,000 | 1,188,000 | 1,783,000 | 2,579,000 |
| Net income | 1,444,000 | 2,937,000 | 4,475,000 | 6,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,126,000 | 40,468,000 | 40,857,000 | 41,548,000 |
| Total capital | 43,278,000 | 43,663,000 | 44,101,000 | 44,754,000 |
| Risk-weighted assets | 240,205,000 | 248,030,000 | 256,220,000 | 262,380,000 |