Call reports 2005
UNION BANK & TRUST COMPANY — 2005
What UNION BANK & TRUST COMPANY 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 | 118,547,000 | 122,297,000 | 126,157,000 | 125,975,000 |
| Total loans | 79,904,000 | 85,194,000 | 89,176,000 | 86,968,000 |
| Allowance for loan losses | 1,227,000 | 1,268,000 | 1,269,000 | 1,249,000 |
| Securities available for sale | 26,977,000 | 26,868,000 | 26,400,000 | 26,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,573,000 | 91,102,000 | 94,226,000 | 99,683,000 |
| Interest-bearing deposits | 84,787,000 | 81,248,000 | 84,532,000 | 89,268,000 |
| Noninterest-bearing deposits | 8,786,000 | 9,854,000 | 9,694,000 | 10,415,000 |
| Equity capital | 10,601,000 | 11,016,000 | 11,150,000 | 11,035,000 |
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 | 1,489,000 | 3,139,000 | 4,894,000 | 6,660,000 |
| Interest expense | 530,000 | 1,098,000 | 1,791,000 | 2,599,000 |
| Net interest income | 959,000 | 2,041,000 | 3,103,000 | 4,061,000 |
| Noninterest income | 217,000 | 508,000 | 752,000 | 1,008,000 |
| Noninterest expense | 950,000 | 1,939,000 | 2,878,000 | 3,785,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 15,000 |
| Pretax income | 226,000 | 595,000 | 962,000 | 1,269,000 |
| Income tax | 12,000 | 111,000 | 198,000 | 251,000 |
| Net income | 214,000 | 484,000 | 764,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,138,000 | 10,424,000 | 10,721,000 | 10,741,000 |
| Total capital | 11,195,000 | 11,521,000 | 11,885,000 | 11,881,000 |
| Risk-weighted assets | 84,384,000 | 87,601,000 | 93,024,000 | 91,084,000 |
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