Call reports 2005
UNION BANK & TRUST COMPANY — 2005
What UNION BANK & 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 | 197,549,000 | 199,816,000 | 207,676,000 | 183,558,000 |
| Total loans | 136,080,000 | 145,005,000 | 143,889,000 | 123,923,000 |
| Allowance for loan losses | 1,836,000 | 2,188,000 | 2,439,000 | 5,644,000 |
| Securities available for sale | 41,317,000 | 36,997,000 | 35,844,000 | 42,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,576,000 | 169,164,000 | 177,392,000 | 161,760,000 |
| Interest-bearing deposits | 148,737,000 | 148,095,000 | 147,937,000 | 142,021,000 |
| Noninterest-bearing deposits | 22,839,000 | 21,069,000 | 29,455,000 | 19,739,000 |
| Equity capital | 17,210,000 | 17,124,000 | 14,975,000 | 11,908,000 |
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 | 2,616,000 | 5,347,000 | 7,921,000 | 10,627,000 |
| Interest expense | 972,000 | 2,008,000 | 3,162,000 | 4,307,000 |
| Net interest income | 1,644,000 | 3,339,000 | 4,759,000 | 6,320,000 |
| Noninterest income | 627,000 | 1,123,000 | 1,641,000 | 2,198,000 |
| Noninterest expense | 1,551,000 | 3,194,000 | 5,236,000 | 7,074,000 |
| Provision for loan losses | 300,000 | 1,017,000 | 7,354,000 | 11,759,000 |
| Pretax income | 420,000 | 251,000 | -6,190,000 | -10,315,000 |
| Income tax | 137,000 | 235,000 | -951,000 | -1,005,000 |
| Net income | 283,000 | 16,000 | -5,239,000 | -9,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,593,000 | 17,341,000 | 15,225,000 | 12,173,000 |
| Total capital | 19,429,000 | 19,296,000 | 17,215,000 | 13,902,000 |
| Risk-weighted assets | 148,135,000 | 156,131,000 | 158,771,000 | 134,441,000 |