Call reports 2006
UNION BANK & TRUST COMPANY — 2006
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 74,228,000 | 74,264,000 | 74,778,000 | 75,930,000 |
| Total loans | 26,128,000 | 29,841,000 | 31,037,000 | 32,998,000 |
| Allowance for loan losses | 550,000 | 625,000 | 598,000 | 643,000 |
| Securities available for sale | 39,324,000 | 39,908,000 | 38,689,000 | 37,020,000 |
| Securities held to maturity | 860,000 | 860,000 | 860,000 | 860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,275,000 | 66,479,000 | 66,477,000 | 68,659,000 |
| Interest-bearing deposits | 56,702,000 | 55,970,000 | 56,607,000 | 56,551,000 |
| Noninterest-bearing deposits | 10,573,000 | 10,509,000 | 9,870,000 | 12,108,000 |
| Equity capital | 6,102,000 | 5,910,000 | 7,225,000 | 6,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,264,000 | 3,467,000 | 4,696,000 |
| Interest expense | 327,000 | 697,000 | 1,116,000 | 1,549,000 |
| Net interest income | 765,000 | 1,567,000 | 2,351,000 | 3,147,000 |
| Noninterest income | 124,000 | 297,000 | 408,000 | 554,000 |
| Noninterest expense | 478,000 | 913,000 | 1,368,000 | 1,948,000 |
| Provision for loan losses | 16,000 | 48,000 | 51,000 | 100,000 |
| Pretax income | 395,000 | 892,000 | 1,329,000 | 1,642,000 |
| Income tax | 26,000 | 57,000 | 86,000 | 109,000 |
| Net income | 369,000 | 835,000 | 1,243,000 | 1,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,269,000 | 7,735,000 | 8,143,000 | 7,033,000 |
| Total capital | 7,653,000 | 8,147,000 | 8,564,000 | 7,473,000 |
| Risk-weighted assets | 30,566,000 | 32,755,000 | 33,503,000 | 35,022,000 |