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 | 156,741,000 | 164,441,000 | 173,927,000 | 189,364,000 |
| Total loans | 133,112,000 | 138,908,000 | 142,153,000 | 150,142,000 |
| Allowance for loan losses | 2,102,000 | 2,205,000 | 2,261,000 | 2,320,000 |
| Securities available for sale | 15,467,000 | 15,869,000 | 18,404,000 | 19,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,288,000 | 139,737,000 | 149,797,000 | 164,775,000 |
| Interest-bearing deposits | 119,529,000 | 128,206,000 | 133,303,000 | 149,682,000 |
| Noninterest-bearing deposits | 13,759,000 | 11,531,000 | 16,494,000 | 15,093,000 |
| Equity capital | 16,877,000 | 17,167,000 | 17,587,000 | 17,946,000 |
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 | 2,112,000 | 4,520,000 | 7,195,000 | 10,179,000 |
| Interest expense | 737,000 | 1,659,000 | 2,730,000 | 3,972,000 |
| Net interest income | 1,375,000 | 2,861,000 | 4,465,000 | 6,207,000 |
| Noninterest income | 239,000 | 454,000 | 740,000 | 1,019,000 |
| Noninterest expense | 967,000 | 1,933,000 | 2,934,000 | 3,977,000 |
| Provision for loan losses | 90,000 | 205,000 | 325,000 | 445,000 |
| Pretax income | 557,000 | 1,177,000 | 1,946,000 | 2,804,000 |
| Income tax | 211,000 | 451,000 | 756,000 | 1,095,000 |
| Net income | 346,000 | 726,000 | 1,190,000 | 1,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,024,000 | 17,266,000 | 17,730,000 | 18,101,000 |
| Total capital | 18,680,000 | 18,994,000 | 19,527,000 | 20,022,000 |
| Risk-weighted assets | 132,045,000 | 137,784,000 | 143,335,000 | 153,374,000 |