Call reports 2007
UNION BANK AND TRUST COMPANY — 2007
What UNION BANK AND 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 | 1,493,128,000 | 1,480,712,000 | 1,513,343,000 | 1,671,381,000 |
| Total loans | 1,189,650,000 | 1,214,314,000 | 1,253,253,000 | 1,284,751,000 |
| Allowance for loan losses | 15,561,000 | 15,892,000 | 15,884,000 | 15,966,000 |
| Securities available for sale | 118,684,000 | 132,767,000 | 129,981,000 | 126,706,000 |
| Securities held to maturity | 265,000 | 265,000 | 265,000 | 265,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,248,430,000 | 1,233,451,000 | 1,242,878,000 | 1,374,461,000 |
| Interest-bearing deposits | 1,166,598,000 | 1,140,391,000 | 1,178,019,000 | 1,228,122,000 |
| Noninterest-bearing deposits | 81,832,000 | 93,060,000 | 64,859,000 | 146,339,000 |
| Equity capital | 155,892,000 | 159,477,000 | 164,074,000 | 167,523,000 |
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 | 23,371,000 | 47,717,000 | 72,618,000 | 98,034,000 |
| Interest expense | 10,451,000 | 21,374,000 | 32,548,000 | 44,074,000 |
| Net interest income | 12,920,000 | 26,343,000 | 40,070,000 | 53,960,000 |
| Noninterest income | 11,800,000 | 26,164,000 | 37,690,000 | 49,348,000 |
| Noninterest expense | 17,121,000 | 35,059,000 | 53,089,000 | 72,682,000 |
| Provision for loan losses | 488,000 | 997,000 | 1,515,000 | 1,994,000 |
| Pretax income | 7,111,000 | 16,446,000 | 23,151,000 | 28,621,000 |
| Income tax | 2,584,000 | 5,920,000 | 8,231,000 | 10,130,000 |
| Net income | 4,527,000 | 10,526,000 | 14,920,000 | 18,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,972,000 | 150,585,000 | 153,672,000 | 155,898,000 |
| Total capital | 161,533,000 | 166,477,000 | 169,556,000 | 171,864,000 |
| Risk-weighted assets | 1,413,916,000 | 1,451,097,000 | 1,474,671,000 | 1,546,584,000 |