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 | 146,155,000 | 145,994,000 | 143,780,000 | 143,515,000 |
| Total loans | 97,535,000 | 97,884,000 | 96,039,000 | 97,512,000 |
| Allowance for loan losses | 1,785,000 | 1,776,000 | 1,762,000 | 1,747,000 |
| Securities available for sale | 37,417,000 | 36,958,000 | 34,952,000 | 34,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,298,000 | 123,128,000 | 124,393,000 | 125,450,000 |
| Interest-bearing deposits | 96,928,000 | 97,773,000 | 97,405,000 | 97,995,000 |
| Noninterest-bearing deposits | 25,370,000 | 25,355,000 | 26,988,000 | 27,455,000 |
| Equity capital | 13,898,000 | 14,371,000 | 9,382,000 | 9,248,000 |
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 | 1,982,000 | 4,067,000 | 6,195,000 | 8,355,000 |
| Interest expense | 412,000 | 830,000 | 1,332,000 | 1,888,000 |
| Net interest income | 1,570,000 | 3,237,000 | 4,863,000 | 6,467,000 |
| Noninterest income | 276,000 | 565,000 | 849,000 | 1,165,000 |
| Noninterest expense | 1,130,000 | 2,322,000 | 3,664,000 | 4,937,000 |
| Provision for loan losses | 0 | 0 | -185,000 | -185,000 |
| Pretax income | 717,000 | 1,481,000 | 2,235,000 | 2,881,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 717,000 | 1,481,000 | 2,235,000 | 2,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,741,000 | 14,966,000 | 10,053,000 | 10,124,000 |
| Total capital | 15,850,000 | 16,079,000 | 11,156,000 | 11,242,000 |
| Risk-weighted assets | 88,304,000 | 88,490,000 | 87,602,000 | 88,862,000 |