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 | 146,376,000 | 153,326,000 | 153,894,000 | 146,582,000 |
| Total loans | 108,820,000 | 110,157,000 | 112,807,000 | 111,987,000 |
| Allowance for loan losses | 1,320,000 | 1,387,000 | 1,427,000 | 1,728,000 |
| Securities available for sale | 20,736,000 | 22,475,000 | 25,594,000 | 21,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,354,000 | 135,553,000 | 129,832,000 | 128,238,000 |
| Interest-bearing deposits | 96,800,000 | 103,417,000 | 99,533,000 | 98,373,000 |
| Noninterest-bearing deposits | 30,554,000 | 32,136,000 | 30,299,000 | 29,865,000 |
| Equity capital | 12,933,000 | 12,337,000 | 12,825,000 | 12,723,000 |
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 | 2,531,000 | 4,994,000 | 7,506,000 | 9,934,000 |
| Interest expense | 750,000 | 1,421,000 | 2,020,000 | 2,552,000 |
| Net interest income | 1,781,000 | 3,573,000 | 5,486,000 | 7,382,000 |
| Noninterest income | 328,000 | 730,000 | 1,088,000 | 1,437,000 |
| Noninterest expense | 1,275,000 | 2,572,000 | 3,928,000 | 5,242,000 |
| Provision for loan losses | 28,000 | 104,000 | 240,000 | 582,000 |
| Pretax income | 806,000 | 1,627,000 | 2,406,000 | 3,106,000 |
| Income tax | 0 | 0 | 0 | 35,000 |
| Net income | 806,000 | 1,627,000 | 2,406,000 | 3,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,573,000 | 12,501,000 | 12,765,000 | 12,242,000 |
| Total capital | 13,735,000 | 13,691,000 | 13,968,000 | 13,373,000 |
| Risk-weighted assets | 92,989,000 | 94,975,000 | 95,995,000 | 91,270,000 |