Call reports 2003
UNION BANK & TRUST COMPANY — 2003
What UNION BANK & 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 | 176,671,000 | 181,146,000 | 189,792,000 | 187,137,000 |
| Total loans | 122,667,000 | 135,835,000 | 142,247,000 | 131,416,000 |
| Allowance for loan losses | 1,167,000 | 1,060,000 | 1,095,000 | 2,264,000 |
| Securities available for sale | 32,030,000 | 31,427,000 | 32,115,000 | 37,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,922,000 | 156,431,000 | 157,133,000 | 163,091,000 |
| Interest-bearing deposits | 137,615,000 | 136,272,000 | 137,344,000 | 141,161,000 |
| Noninterest-bearing deposits | 18,307,000 | 20,159,000 | 19,789,000 | 21,930,000 |
| Equity capital | 17,073,000 | 17,454,000 | 17,684,000 | 16,992,000 |
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 | 2,728,000 | 5,453,000 | 8,283,000 | 10,967,000 |
| Interest expense | 971,000 | 1,908,000 | 2,832,000 | 3,741,000 |
| Net interest income | 1,757,000 | 3,545,000 | 5,451,000 | 7,226,000 |
| Noninterest income | 571,000 | 1,052,000 | 1,622,000 | 2,269,000 |
| Noninterest expense | 1,315,000 | 2,619,000 | 4,105,000 | 5,477,000 |
| Provision for loan losses | 109,000 | 184,000 | 408,000 | 2,209,000 |
| Pretax income | 904,000 | 1,794,000 | 2,560,000 | 1,809,000 |
| Income tax | 321,000 | 643,000 | 894,000 | 584,000 |
| Net income | 583,000 | 1,151,000 | 1,666,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,758,000 | 17,231,000 | 17,544,000 | 16,892,000 |
| Total capital | 17,925,000 | 18,291,000 | 18,639,000 | 18,703,000 |
| Risk-weighted assets | 131,628,000 | 144,774,000 | 152,487,000 | 144,391,000 |