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 | 71,505,000 | 72,081,000 | 72,734,000 | 73,215,000 |
| Total loans | 22,265,000 | 22,734,000 | 21,836,000 | 22,957,000 |
| Allowance for loan losses | 629,000 | 630,000 | 667,000 | 624,000 |
| Securities available for sale | 39,815,000 | 40,948,000 | 41,298,000 | 41,737,000 |
| Securities held to maturity | 862,000 | 862,000 | 861,000 | 861,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,321,000 | 65,346,000 | 65,079,000 | 65,688,000 |
| Interest-bearing deposits | 54,612,000 | 55,123,000 | 55,334,000 | 55,955,000 |
| Noninterest-bearing deposits | 9,709,000 | 10,223,000 | 9,745,000 | 9,733,000 |
| Equity capital | 6,547,000 | 5,787,000 | 6,592,000 | 6,658,000 |
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 | 1,048,000 | 2,102,000 | 3,180,000 | 4,234,000 |
| Interest expense | 215,000 | 426,000 | 644,000 | 861,000 |
| Net interest income | 833,000 | 1,676,000 | 2,536,000 | 3,373,000 |
| Noninterest income | 198,000 | 293,000 | 408,000 | 530,000 |
| Noninterest expense | 543,000 | 1,075,000 | 1,617,000 | 2,189,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 132,000 |
| Pretax income | 488,000 | 905,000 | 1,297,000 | 1,659,000 |
| Income tax | 30,000 | 54,000 | 78,000 | 102,000 |
| Net income | 458,000 | 851,000 | 1,219,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,102,000 | 6,495,000 | 6,413,000 | 6,751,000 |
| Total capital | 6,502,000 | 6,902,000 | 6,811,000 | 7,161,000 |
| Risk-weighted assets | 31,740,000 | 32,320,000 | 31,545,000 | 32,554,000 |