Call reports 2005
UNION BANK AND TRUST COMPANY — 2005
What UNION BANK AND 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 | 1,239,604,000 | 1,244,584,000 | 1,343,376,000 | 1,303,581,000 |
| Total loans | 1,052,850,000 | 1,009,116,000 | 1,104,096,000 | 1,063,244,000 |
| Allowance for loan losses | 12,812,000 | 13,007,000 | 13,325,000 | 13,612,000 |
| Securities available for sale | 80,818,000 | 121,098,000 | 118,382,000 | 112,657,000 |
| Securities held to maturity | 7,206,000 | 7,985,000 | 7,985,000 | 7,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,017,855,000 | 1,024,510,000 | 1,051,900,000 | 1,102,850,000 |
| Interest-bearing deposits | 865,202,000 | 883,179,000 | 895,108,000 | 928,119,000 |
| Noninterest-bearing deposits | 152,653,000 | 141,331,000 | 156,792,000 | 174,731,000 |
| Equity capital | 129,231,000 | 134,284,000 | 137,339,000 | 139,618,000 |
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 | 16,335,000 | 33,003,000 | 51,168,000 | 70,850,000 |
| Interest expense | 5,425,000 | 10,636,000 | 16,838,000 | 23,783,000 |
| Net interest income | 10,910,000 | 22,367,000 | 34,330,000 | 47,067,000 |
| Noninterest income | 24,528,000 | 37,829,000 | 48,895,000 | 59,578,000 |
| Noninterest expense | 18,942,000 | 34,107,000 | 48,669,000 | 64,248,000 |
| Provision for loan losses | 444,000 | 711,000 | 1,155,000 | 1,776,000 |
| Pretax income | 16,053,000 | 25,381,000 | 33,401,000 | 40,622,000 |
| Income tax | 5,697,000 | 9,040,000 | 11,876,000 | 14,438,000 |
| Net income | 10,356,000 | 16,341,000 | 21,525,000 | 26,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,634,000 | 135,400,000 | 139,328,000 | 142,685,000 |
| Total capital | 143,446,000 | 148,407,000 | 152,653,000 | 156,297,000 |
| Risk-weighted assets | 1,147,852,000 | 1,163,554,000 | 1,274,427,000 | 1,270,838,000 |