Call reports 2004
UNION BANK & TRUST COMPANY — 2004
What UNION BANK & 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 | 192,665,000 | 195,803,000 | 205,784,000 | 191,038,000 |
| Total loans | 129,688,000 | 143,264,000 | 147,156,000 | 132,825,000 |
| Allowance for loan losses | 1,418,000 | 1,776,000 | 1,361,000 | 1,693,000 |
| Securities available for sale | 38,220,000 | 37,516,000 | 41,294,000 | 38,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,422,000 | 169,059,000 | 166,765,000 | 165,614,000 |
| Interest-bearing deposits | 148,813,000 | 148,480,000 | 145,751,000 | 145,679,000 |
| Noninterest-bearing deposits | 20,609,000 | 20,579,000 | 21,014,000 | 19,935,000 |
| Equity capital | 17,193,000 | 16,179,000 | 17,034,000 | 17,068,000 |
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 | 2,557,000 | 5,002,000 | 7,818,000 | 10,482,000 |
| Interest expense | 890,000 | 1,788,000 | 2,744,000 | 3,709,000 |
| Net interest income | 1,667,000 | 3,214,000 | 5,074,000 | 6,773,000 |
| Noninterest income | 622,000 | 1,337,000 | 2,023,000 | 2,608,000 |
| Noninterest expense | 1,412,000 | 2,755,000 | 4,269,000 | 5,752,000 |
| Provision for loan losses | 300,000 | 1,964,000 | 2,214,000 | 2,734,000 |
| Pretax income | 738,000 | -7,000 | 775,000 | 1,056,000 |
| Income tax | 248,000 | -57,000 | 211,000 | 313,000 |
| Net income | 490,000 | 50,000 | 564,000 | 743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,156,000 | 16,501,000 | 17,158,000 | 17,318,000 |
| Total capital | 18,574,000 | 18,277,000 | 18,519,000 | 19,011,000 |
| Risk-weighted assets | 140,259,000 | 151,885,000 | 158,248,000 | 144,353,000 |