Call reports 2003
UNION BANK AND TRUST COMPANY — 2003
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,276,159,000 | 1,286,900,000 | 1,299,913,000 | 1,298,005,000 |
| Total loans | 1,100,472,000 | 1,110,289,000 | 1,125,922,000 | 1,108,582,000 |
| Allowance for loan losses | 11,639,000 | 12,077,000 | 11,843,000 | 11,981,000 |
| Securities available for sale | 62,942,000 | 59,901,000 | 55,728,000 | 56,866,000 |
| Securities held to maturity | 20,031,000 | 20,214,000 | 20,212,000 | 18,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 966,969,000 | 937,083,000 | 941,780,000 | 981,349,000 |
| Interest-bearing deposits | 814,095,000 | 818,090,000 | 823,016,000 | 835,708,000 |
| Noninterest-bearing deposits | 152,873,000 | 118,993,000 | 118,764,000 | 145,641,000 |
| Equity capital | 102,430,000 | 106,062,000 | 109,554,000 | 112,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 15,510,000 | 31,299,000 | 46,869,000 | 62,274,000 |
| Interest expense | 6,185,000 | 12,307,000 | 18,127,000 | 23,806,000 |
| Net interest income | 9,325,000 | 18,992,000 | 28,742,000 | 38,468,000 |
| Noninterest income | 10,751,000 | 23,164,000 | 35,782,000 | 45,415,000 |
| Noninterest expense | 12,609,000 | 26,804,000 | 41,949,000 | 55,531,000 |
| Provision for loan losses | 260,000 | 737,000 | 799,000 | 1,179,000 |
| Pretax income | 7,219,000 | 14,624,000 | 21,764,000 | 27,165,000 |
| Income tax | 2,630,000 | 5,361,000 | 7,944,000 | 9,726,000 |
| Net income | 4,589,000 | 9,263,000 | 13,820,000 | 17,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,539,000 | 104,214,000 | 107,771,000 | 110,330,000 |
| Total capital | 112,198,000 | 116,315,000 | 119,621,000 | 122,324,000 |
| Risk-weighted assets | 1,010,399,000 | 1,067,834,000 | 1,102,757,000 | 1,076,450,000 |