Call reports 2008
UNION BANK & TRUST COMPANY — 2008
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 80,017,000 | 77,982,000 | 79,261,000 | 76,646,000 |
| Total loans | 40,423,000 | 42,254,000 | 45,102,000 | 45,334,000 |
| Allowance for loan losses | 471,000 | 550,000 | 637,000 | 605,000 |
| Securities available for sale | 34,018,000 | 31,099,000 | 29,298,000 | 25,436,000 |
| Securities held to maturity | 818,000 | 817,000 | 816,000 | 740,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,077,000 | 68,476,000 | 69,232,000 | 68,778,000 |
| Interest-bearing deposits | 56,981,000 | 57,297,000 | 58,462,000 | 55,796,000 |
| Noninterest-bearing deposits | 11,096,000 | 11,179,000 | 10,770,000 | 12,982,000 |
| Equity capital | 7,447,000 | 7,465,000 | 7,978,000 | 6,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,265,000 | 2,573,000 | 3,863,000 | 5,118,000 |
| Interest expense | 428,000 | 832,000 | 1,185,000 | 1,494,000 |
| Net interest income | 837,000 | 1,741,000 | 2,678,000 | 3,624,000 |
| Noninterest income | 154,000 | 330,000 | 406,000 | 490,000 |
| Noninterest expense | 486,000 | 967,000 | 1,449,000 | 1,973,000 |
| Provision for loan losses | 1,000 | 98,000 | 192,000 | 259,000 |
| Pretax income | 526,000 | 1,032,000 | 1,449,000 | 1,891,000 |
| Income tax | 33,000 | 43,000 | 43,000 | 60,000 |
| Net income | 493,000 | 989,000 | 1,406,000 | 1,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,315,000 | 7,810,000 | 8,228,000 | 6,903,000 |
| Total capital | 7,786,000 | 8,328,000 | 8,777,000 | 7,436,000 |
| Risk-weighted assets | 40,685,000 | 41,402,000 | 43,800,000 | 42,578,000 |