Call reports 2007
UNION BANK & TRUST COMPANY — 2007
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,049,000 | 76,632,000 | 77,444,000 | 76,692,000 |
| Total loans | 36,826,000 | 38,311,000 | 37,679,000 | 38,963,000 |
| Allowance for loan losses | 542,000 | 528,000 | 494,000 | 501,000 |
| Securities available for sale | 33,885,000 | 31,899,000 | 34,672,000 | 28,624,000 |
| Securities held to maturity | 861,000 | 860,000 | 810,000 | 810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,642,000 | 68,559,000 | 67,803,000 | 68,879,000 |
| Interest-bearing deposits | 57,424,000 | 57,935,000 | 56,794,000 | 56,657,000 |
| Noninterest-bearing deposits | 12,218,000 | 10,624,000 | 11,009,000 | 12,222,000 |
| Equity capital | 6,838,000 | 6,965,000 | 7,739,000 | 6,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,236,000 | 2,523,000 | 3,792,000 | 5,086,000 |
| Interest expense | 455,000 | 935,000 | 1,413,000 | 1,881,000 |
| Net interest income | 781,000 | 1,588,000 | 2,379,000 | 3,205,000 |
| Noninterest income | 213,000 | 317,000 | 417,000 | 519,000 |
| Noninterest expense | 491,000 | 997,000 | 1,455,000 | 1,945,000 |
| Provision for loan losses | -102,000 | -75,000 | -5,000 | 30,000 |
| Pretax income | 549,000 | 927,000 | 1,290,000 | 1,666,000 |
| Income tax | 37,000 | 62,000 | 84,000 | 107,000 |
| Net income | 512,000 | 865,000 | 1,206,000 | 1,559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,545,000 | 7,898,000 | 8,239,000 | 6,822,000 |
| Total capital | 8,024,000 | 8,385,000 | 8,714,000 | 7,310,000 |
| Risk-weighted assets | 38,266,000 | 38,932,000 | 37,982,000 | 39,013,000 |