Call reports 2008
UNION BANK & TRUST COMPANY — 2008
What UNION BANK & TRUST COMPANY 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 | 128,239,000 | 128,183,000 | 130,368,000 | 131,500,000 |
| Total loans | 88,727,000 | 88,714,000 | 91,719,000 | 92,260,000 |
| Allowance for loan losses | 1,111,000 | 1,226,000 | 1,299,000 | 1,592,000 |
| Securities available for sale | 27,450,000 | 27,263,000 | 27,183,000 | 27,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,474,000 | 102,107,000 | 96,726,000 | 114,110,000 |
| Interest-bearing deposits | 99,375,000 | 92,009,000 | 87,997,000 | 104,856,000 |
| Noninterest-bearing deposits | 10,099,000 | 10,098,000 | 8,729,000 | 9,254,000 |
| Equity capital | 11,873,000 | 11,972,000 | 12,411,000 | 12,706,000 |
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 | 1,955,000 | 3,816,000 | 5,675,000 | 7,488,000 |
| Interest expense | 844,000 | 1,450,000 | 2,049,000 | 2,557,000 |
| Net interest income | 1,111,000 | 2,366,000 | 3,626,000 | 4,931,000 |
| Noninterest income | 321,000 | 610,000 | 974,000 | 1,454,000 |
| Noninterest expense | 1,053,000 | 2,078,000 | 3,161,000 | 4,366,000 |
| Provision for loan losses | 10,000 | 25,000 | 120,000 | 506,000 |
| Pretax income | 369,000 | 873,000 | 1,319,000 | 1,513,000 |
| Income tax | 35,000 | 110,000 | 123,000 | 157,000 |
| Net income | 334,000 | 763,000 | 1,196,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,369,000 | 11,813,000 | 12,261,000 | 12,254,000 |
| Total capital | 12,480,000 | 12,982,000 | 13,460,000 | 13,476,000 |
| Risk-weighted assets | 93,330,000 | 93,493,000 | 95,856,000 | 97,371,000 |
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