Call reports 2003
UNION BANK & TRUST COMPANY — 2003
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 71,658,000 | 71,474,000 | 70,238,000 | 70,253,000 |
| Total loans | 22,145,000 | 21,933,000 | 22,648,000 | 21,742,000 |
| Allowance for loan losses | 846,000 | 685,000 | 748,000 | 629,000 |
| Securities available for sale | 36,431,000 | 40,610,000 | 39,660,000 | 38,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,676,000 | 64,047,000 | 63,086,000 | 64,055,000 |
| Interest-bearing deposits | 54,689,000 | 55,280,000 | 54,955,000 | 54,638,000 |
| Noninterest-bearing deposits | 8,987,000 | 8,767,000 | 8,131,000 | 9,417,000 |
| Equity capital | 7,519,000 | 6,933,000 | 6,563,000 | 5,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,125,000 | 3,231,000 | 4,304,000 |
| Interest expense | 263,000 | 514,000 | 756,000 | 988,000 |
| Net interest income | 867,000 | 1,611,000 | 2,475,000 | 3,316,000 |
| Noninterest income | 242,000 | 422,000 | 629,000 | 627,000 |
| Noninterest expense | 602,000 | 1,159,000 | 1,652,000 | 2,131,000 |
| Provision for loan losses | 100,000 | 150,000 | 450,000 | 650,000 |
| Pretax income | 555,000 | 951,000 | 1,301,000 | 1,470,000 |
| Income tax | 13,000 | 23,000 | 80,000 | 89,000 |
| Net income | 542,000 | 928,000 | 1,221,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,805,000 | 6,191,000 | 6,538,000 | 5,644,000 |
| Total capital | 7,214,000 | 6,598,000 | 6,954,000 | 6,050,000 |
| Risk-weighted assets | 32,280,000 | 32,245,000 | 32,978,000 | 32,265,000 |