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 | 74,068,000 | 73,121,000 | 74,123,000 | 73,148,000 |
| Total loans | 24,004,000 | 24,822,000 | 25,345,000 | 25,092,000 |
| Allowance for loan losses | 583,000 | 583,000 | 566,000 | 585,000 |
| Securities available for sale | 34,986,000 | 41,095,000 | 37,453,000 | 37,653,000 |
| Securities held to maturity | 861,000 | 860,000 | 860,000 | 860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,841,000 | 64,883,000 | 65,764,000 | 66,319,000 |
| Interest-bearing deposits | 56,901,000 | 56,171,000 | 56,575,000 | 56,199,000 |
| Noninterest-bearing deposits | 9,940,000 | 8,712,000 | 9,189,000 | 10,120,000 |
| Equity capital | 6,370,000 | 7,313,000 | 7,262,000 | 5,942,000 |
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 | 993,000 | 2,060,000 | 3,125,000 | 4,210,000 |
| Interest expense | 233,000 | 493,000 | 778,000 | 1,082,000 |
| Net interest income | 760,000 | 1,567,000 | 2,347,000 | 3,128,000 |
| Noninterest income | 156,000 | 307,000 | 426,000 | 564,000 |
| Noninterest expense | 532,000 | 1,040,000 | 1,529,000 | 2,193,000 |
| Provision for loan losses | -41,000 | 7,000 | 44,000 | 106,000 |
| Pretax income | 435,000 | 837,000 | 1,214,000 | 1,407,000 |
| Income tax | 29,000 | 53,000 | 74,000 | 62,000 |
| Net income | 406,000 | 784,000 | 1,140,000 | 1,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,211,000 | 7,589,000 | 7,945,000 | 6,900,000 |
| Total capital | 7,641,000 | 8,000,000 | 8,357,000 | 7,308,000 |
| Risk-weighted assets | 34,233,000 | 32,699,000 | 32,844,000 | 32,434,000 |