Call reports 2004
UNION BANK AND TRUST COMPANY — 2004
What UNION BANK AND 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 | 1,277,548,000 | 1,382,776,000 | 1,343,503,000 | 1,253,621,000 |
| Total loans | 1,104,783,000 | 1,200,529,000 | 1,159,454,000 | 1,043,456,000 |
| Allowance for loan losses | 12,283,000 | 12,518,000 | 12,760,000 | 12,373,000 |
| Securities available for sale | 56,198,000 | 71,770,000 | 74,366,000 | 72,836,000 |
| Securities held to maturity | 17,198,000 | 14,497,000 | 8,492,000 | 6,211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 973,073,000 | 985,052,000 | 965,809,000 | 1,003,325,000 |
| Interest-bearing deposits | 845,891,000 | 845,461,000 | 843,536,000 | 868,746,000 |
| Noninterest-bearing deposits | 127,181,000 | 139,591,000 | 122,273,000 | 134,579,000 |
| Equity capital | 114,052,000 | 117,319,000 | 119,148,000 | 121,340,000 |
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 | 14,751,000 | 29,630,000 | 45,532,000 | 61,955,000 |
| Interest expense | 5,464,000 | 10,707,000 | 16,172,000 | 21,809,000 |
| Net interest income | 9,287,000 | 18,923,000 | 29,360,000 | 40,146,000 |
| Noninterest income | 8,216,000 | 24,118,000 | 31,864,000 | 43,220,000 |
| Noninterest expense | 13,379,000 | 27,645,000 | 41,628,000 | 55,922,000 |
| Provision for loan losses | 444,000 | 888,000 | 1,332,000 | 1,776,000 |
| Pretax income | 3,682,000 | 14,512,000 | 18,269,000 | 25,675,000 |
| Income tax | 1,363,000 | 5,209,000 | 6,595,000 | 9,258,000 |
| Net income | 2,319,000 | 9,303,000 | 11,674,000 | 16,417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,465,000 | 117,031,000 | 118,370,000 | 121,565,000 |
| Total capital | 123,758,000 | 129,549,000 | 131,130,000 | 133,938,000 |
| Risk-weighted assets | 1,105,528,000 | 1,154,291,000 | 1,147,278,000 | 1,142,431,000 |