Call reports 2007
UNION BANK — 2007
What UNION BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 375,998,000 | 375,026,000 | 396,811,000 | 392,661,000 |
| Total loans | 308,026,000 | 306,442,000 | 315,484,000 | 318,197,000 |
| Allowance for loan losses | 3,342,000 | 3,326,000 | 3,396,000 | 3,378,000 |
| Securities available for sale | 26,519,000 | 26,667,000 | 34,255,000 | 33,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,651,000 | 309,863,000 | 334,837,000 | 325,552,000 |
| Interest-bearing deposits | 265,564,000 | 261,558,000 | 278,532,000 | 267,496,000 |
| Noninterest-bearing deposits | 49,087,000 | 48,305,000 | 56,305,000 | 58,056,000 |
| Equity capital | 41,568,000 | 41,542,000 | 41,786,000 | 41,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,395,000 | 12,877,000 | 19,618,000 | 26,301,000 |
| Interest expense | 1,974,000 | 4,033,000 | 6,156,000 | 8,226,000 |
| Net interest income | 4,421,000 | 8,844,000 | 13,462,000 | 18,075,000 |
| Noninterest income | 943,000 | 2,001,000 | 3,043,000 | 4,111,000 |
| Noninterest expense | 3,567,000 | 7,010,000 | 10,504,000 | 14,099,000 |
| Provision for loan losses | 45,000 | 45,000 | 235,000 | 265,000 |
| Pretax income | 1,741,000 | 3,827,000 | 5,833,000 | 7,944,000 |
| Income tax | 442,000 | 984,000 | 1,519,000 | 2,082,000 |
| Net income | 1,299,000 | 2,843,000 | 4,314,000 | 5,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,473,000 | 42,717,000 | 42,763,000 | 42,411,000 |
| Total capital | 45,819,000 | 46,090,000 | 46,190,000 | 45,802,000 |
| Risk-weighted assets | 261,905,000 | 268,008,000 | 274,639,000 | 276,521,000 |