Call reports 2004
UNION BANK & TRUST COMPANY — 2004
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 106,774,000 | 110,719,000 | 116,653,000 | 116,284,000 |
| Total loans | 65,898,000 | 71,497,000 | 78,276,000 | 78,120,000 |
| Allowance for loan losses | 994,000 | 1,074,000 | 1,174,000 | 1,181,000 |
| Securities available for sale | 30,091,000 | 28,509,000 | 28,876,000 | 27,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,233,000 | 88,034,000 | 90,328,000 | 93,767,000 |
| Interest-bearing deposits | 79,084,000 | 79,910,000 | 81,851,000 | 85,165,000 |
| Noninterest-bearing deposits | 7,149,000 | 8,124,000 | 8,477,000 | 8,602,000 |
| Equity capital | 10,356,000 | 10,136,000 | 10,589,000 | 10,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,321,000 | 2,709,000 | 4,190,000 | 5,679,000 |
| Interest expense | 404,000 | 825,000 | 1,275,000 | 1,759,000 |
| Net interest income | 917,000 | 1,884,000 | 2,915,000 | 3,920,000 |
| Noninterest income | 294,000 | 579,000 | 854,000 | 1,111,000 |
| Noninterest expense | 970,000 | 1,834,000 | 2,696,000 | 3,630,000 |
| Provision for loan losses | 10,000 | 100,000 | 192,000 | 192,000 |
| Pretax income | 231,000 | 529,000 | 881,000 | 1,209,000 |
| Income tax | 15,000 | 72,000 | 133,000 | 196,000 |
| Net income | 216,000 | 457,000 | 748,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,232,000 | 9,489,000 | 9,797,000 | 9,908,000 |
| Total capital | 10,133,000 | 10,450,000 | 10,827,000 | 10,927,000 |
| Risk-weighted assets | 71,981,000 | 76,803,000 | 82,228,000 | 81,351,000 |
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