Call reports 2005
UNION TRUST COMPANY — 2005
What UNION 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 | 509,057,000 | 518,990,000 | 530,632,000 | 523,535,000 |
| Total loans | 328,351,000 | 342,739,000 | 355,864,000 | 356,004,000 |
| Allowance for loan losses | 3,959,000 | 3,723,000 | 3,847,000 | 3,938,000 |
| Securities available for sale | 144,540,000 | 136,100,000 | 129,029,000 | 129,351,000 |
| Securities held to maturity | 2,253,000 | 2,252,000 | 2,150,000 | 2,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,464,000 | 306,989,000 | 335,075,000 | 335,239,000 |
| Interest-bearing deposits | 270,728,000 | 291,424,000 | 306,422,000 | 307,419,000 |
| Noninterest-bearing deposits | 19,735,000 | 15,566,000 | 28,653,000 | 27,820,000 |
| Equity capital | 33,724,000 | 34,610,000 | 34,179,000 | 34,053,000 |
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 | 5,994,000 | 12,570,000 | 19,229,000 | 26,010,000 |
| Interest expense | 1,944,000 | 4,269,000 | 6,804,000 | 9,670,000 |
| Net interest income | 4,050,000 | 8,301,000 | 12,425,000 | 16,340,000 |
| Noninterest income | 1,281,000 | 2,535,000 | 3,842,000 | 5,235,000 |
| Noninterest expense | 3,752,000 | 7,421,000 | 11,130,000 | 15,013,000 |
| Provision for loan losses | -215,000 | -215,000 | -215,000 | -215,000 |
| Pretax income | 1,798,000 | 3,634,000 | 5,356,000 | 6,781,000 |
| Income tax | 546,000 | 1,086,000 | 1,599,000 | 1,892,000 |
| Net income | 1,252,000 | 2,548,000 | 3,757,000 | 4,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,379,000 | 34,978,000 | 34,845,000 | 35,439,000 |
| Total capital | 38,230,000 | 38,980,000 | 38,735,000 | 39,315,000 |
| Risk-weighted assets | 307,693,000 | 319,938,000 | 310,835,000 | 309,590,000 |