Call reports 2002
UNION BANK & TRUST COMPANY — 2002
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 169,567,000 | 175,999,000 | 173,886,000 | 171,777,000 |
| Total loans | 110,822,000 | 120,455,000 | 124,883,000 | 119,520,000 |
| Allowance for loan losses | 981,000 | 1,023,000 | 1,049,000 | 1,234,000 |
| Securities available for sale | 34,036,000 | 34,631,000 | 32,580,000 | 31,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,355,000 | 152,133,000 | 152,100,000 | 150,271,000 |
| Interest-bearing deposits | 133,232,000 | 135,695,000 | 134,360,000 | 133,985,000 |
| Noninterest-bearing deposits | 16,123,000 | 16,438,000 | 17,740,000 | 16,286,000 |
| Equity capital | 15,660,000 | 16,113,000 | 16,496,000 | 16,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,809,000 | 5,682,000 | 8,634,000 | 11,506,000 |
| Interest expense | 1,480,000 | 2,937,000 | 4,264,000 | 5,427,000 |
| Net interest income | 1,329,000 | 2,745,000 | 4,370,000 | 6,079,000 |
| Noninterest income | 582,000 | 1,150,000 | 1,702,000 | 2,367,000 |
| Noninterest expense | 1,168,000 | 2,343,000 | 3,564,000 | 4,844,000 |
| Provision for loan losses | 99,000 | 240,000 | 339,000 | 680,000 |
| Pretax income | 644,000 | 1,312,000 | 2,169,000 | 2,922,000 |
| Income tax | 195,000 | 407,000 | 710,000 | 975,000 |
| Net income | 449,000 | 905,000 | 1,459,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,635,000 | 15,899,000 | 16,249,000 | 16,519,000 |
| Total capital | 16,616,000 | 16,922,000 | 17,298,000 | 17,753,000 |
| Risk-weighted assets | 119,960,000 | 127,977,000 | 132,197,000 | 128,250,000 |