Call reports 2004
UNION TRUST COMPANY — 2004
What UNION 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 | 433,746,000 | 466,807,000 | 478,962,000 | 481,310,000 |
| Total loans | 279,449,000 | 297,756,000 | 305,098,000 | 310,339,000 |
| Allowance for loan losses | 4,339,000 | 4,445,000 | 4,485,000 | 4,196,000 |
| Securities available for sale | 123,044,000 | 130,545,000 | 135,905,000 | 134,490,000 |
| Securities held to maturity | 2,867,000 | 2,864,000 | 2,477,000 | 2,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,599,000 | 284,669,000 | 309,573,000 | 305,330,000 |
| Interest-bearing deposits | 266,669,000 | 265,350,000 | 287,970,000 | 280,583,000 |
| Noninterest-bearing deposits | 14,930,000 | 19,319,000 | 21,604,000 | 24,746,000 |
| Equity capital | 35,658,000 | 33,289,000 | 35,930,000 | 34,353,000 |
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 | 5,398,000 | 10,829,000 | 16,543,000 | 22,329,000 |
| Interest expense | 1,395,000 | 2,848,000 | 4,422,000 | 6,139,000 |
| Net interest income | 4,003,000 | 7,981,000 | 12,121,000 | 16,190,000 |
| Noninterest income | 1,374,000 | 2,694,000 | 4,054,000 | 5,373,000 |
| Noninterest expense | 3,561,000 | 7,162,000 | 10,814,000 | 14,642,000 |
| Provision for loan losses | 65,000 | 130,000 | 144,000 | 143,000 |
| Pretax income | 1,906,000 | 3,620,000 | 5,455,000 | 7,015,000 |
| Income tax | 605,000 | 1,073,000 | 1,622,000 | 2,045,000 |
| Net income | 1,301,000 | 2,547,000 | 3,833,000 | 4,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,347,000 | 34,094,000 | 34,980,000 | 33,550,000 |
| Total capital | 36,501,000 | 37,483,000 | 38,739,000 | 37,359,000 |
| Risk-weighted assets | 251,100,000 | 270,086,000 | 299,958,000 | 304,059,000 |