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 | 289,679,000 | 299,817,000 | 316,518,000 | 315,755,000 |
| Total loans | 236,436,000 | 247,883,000 | 252,806,000 | 244,023,000 |
| Allowance for loan losses | 3,330,000 | 3,372,000 | 3,512,000 | 3,877,000 |
| Securities available for sale | 32,322,000 | 33,455,000 | 34,466,000 | 38,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,960,000 | 218,338,000 | 247,676,000 | 248,989,000 |
| Interest-bearing deposits | 207,800,000 | 197,946,000 | 225,341,000 | 226,538,000 |
| Noninterest-bearing deposits | 21,160,000 | 20,392,000 | 22,335,000 | 22,451,000 |
| Equity capital | 23,190,000 | 23,313,000 | 23,517,000 | 31,441,000 |
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 | 4,627,000 | 8,945,000 | 13,323,000 | 17,336,000 |
| Interest expense | 2,552,000 | 4,899,000 | 7,230,000 | 9,438,000 |
| Net interest income | 2,075,000 | 4,046,000 | 6,093,000 | 7,898,000 |
| Noninterest income | 340,000 | 695,000 | 811,000 | 1,153,000 |
| Noninterest expense | 1,545,000 | 3,078,000 | 4,584,000 | 6,113,000 |
| Provision for loan losses | 75,000 | 150,000 | 300,000 | 700,000 |
| Pretax income | 794,000 | 1,512,000 | 2,019,000 | 2,237,000 |
| Income tax | 285,000 | 522,000 | 768,000 | 821,000 |
| Net income | 509,000 | 990,000 | 1,251,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,772,000 | 23,135,000 | 23,409,000 | 30,992,000 |
| Total capital | 25,770,000 | 26,273,000 | 26,618,000 | 34,115,000 |
| Risk-weighted assets | 239,525,000 | 250,834,000 | 256,452,000 | 249,048,000 |