Call reports 2008
UNION BANK — 2008
What UNION BANK 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 | 387,862,000 | 394,836,000 | 422,311,000 | 439,404,000 |
| Total loans | 316,637,000 | 319,376,000 | 343,294,000 | 353,317,000 |
| Allowance for loan losses | 3,401,000 | 3,424,000 | 3,440,000 | 3,556,000 |
| Securities available for sale | 33,051,000 | 27,431,000 | 27,385,000 | 27,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,094,000 | 322,078,000 | 349,806,000 | 364,870,000 |
| Interest-bearing deposits | 265,622,000 | 265,541,000 | 292,426,000 | 303,055,000 |
| Noninterest-bearing deposits | 50,472,000 | 56,537,000 | 57,380,000 | 61,815,000 |
| Equity capital | 41,885,000 | 41,517,000 | 41,027,000 | 38,976,000 |
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 | 6,273,000 | 12,380,000 | 18,595,000 | 24,763,000 |
| Interest expense | 1,924,000 | 3,701,000 | 5,490,000 | 7,174,000 |
| Net interest income | 4,349,000 | 8,679,000 | 13,105,000 | 17,589,000 |
| Noninterest income | 1,088,000 | 2,174,000 | 3,484,000 | 4,626,000 |
| Noninterest expense | 3,730,000 | 7,523,000 | 11,798,000 | 15,479,000 |
| Provision for loan losses | 50,000 | 140,000 | 185,000 | 335,000 |
| Pretax income | 1,657,000 | 3,206,000 | 4,622,000 | 6,417,000 |
| Income tax | 202,000 | 513,000 | 736,000 | 1,132,000 |
| Net income | 1,455,000 | 2,693,000 | 3,886,000 | 5,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,512,000 | 42,451,000 | 42,343,000 | 42,243,000 |
| Total capital | 45,922,000 | 45,875,000 | 45,783,000 | 45,799,000 |
| Risk-weighted assets | 274,351,000 | 278,033,000 | 292,089,000 | 299,021,000 |