Call reports 2007
UNION TRUST COMPANY — 2007
What UNION 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 | 541,956,000 | 554,576,000 | 539,478,000 | 539,169,000 |
| Total loans | 376,313,000 | 378,305,000 | 375,768,000 | 373,378,000 |
| Allowance for loan losses | 3,914,000 | 3,930,000 | 3,984,000 | 4,130,000 |
| Securities available for sale | 126,172,000 | 131,630,000 | 121,806,000 | 120,445,000 |
| Securities held to maturity | 1,946,000 | 1,944,000 | 1,683,000 | 1,683,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,082,000 | 349,141,000 | 343,317,000 | 342,440,000 |
| Interest-bearing deposits | 307,626,000 | 305,693,000 | 293,969,000 | 285,415,000 |
| Noninterest-bearing deposits | 42,455,000 | 43,448,000 | 49,348,000 | 57,025,000 |
| Equity capital | 39,329,000 | 38,623,000 | 40,280,000 | 31,112,000 |
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 | 7,805,000 | 15,757,000 | 23,952,000 | 31,838,000 |
| Interest expense | 3,924,000 | 8,119,000 | 12,343,000 | 16,276,000 |
| Net interest income | 3,881,000 | 7,638,000 | 11,609,000 | 15,562,000 |
| Noninterest income | 1,397,000 | 2,853,000 | 4,379,000 | 5,762,000 |
| Noninterest expense | 3,899,000 | 7,752,000 | 11,619,000 | 18,275,000 |
| Provision for loan losses | 15,000 | 30,000 | 70,000 | 520,000 |
| Pretax income | 1,371,000 | 2,716,000 | 4,337,000 | 2,567,000 |
| Income tax | 358,000 | 688,000 | 1,123,000 | 418,000 |
| Net income | 1,013,000 | 2,028,000 | 3,214,000 | 2,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,867,000 | 40,374,000 | 41,069,000 | 31,137,000 |
| Total capital | 43,984,000 | 44,566,000 | 45,214,000 | 35,248,000 |
| Risk-weighted assets | 329,286,000 | 335,305,000 | 332,754,000 | 328,524,000 |