Call reports 2006
UNION BANK & TRUST COMPANY — 2006
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 181,830,000 | 183,796,000 | 174,717,000 | 177,756,000 |
| Total loans | 119,956,000 | 127,337,000 | 126,518,000 | 114,497,000 |
| Allowance for loan losses | 4,800,000 | 3,761,000 | 3,063,000 | 2,906,000 |
| Securities available for sale | 44,732,000 | 37,408,000 | 30,298,000 | 40,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,851,000 | 151,665,000 | 148,292,000 | 149,134,000 |
| Interest-bearing deposits | 134,337,000 | 128,261,000 | 126,116,000 | 127,998,000 |
| Noninterest-bearing deposits | 21,514,000 | 23,404,000 | 22,176,000 | 21,136,000 |
| Equity capital | 12,404,000 | 12,977,000 | 13,602,000 | 15,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,613,000 | 5,284,000 | 8,140,000 | 11,001,000 |
| Interest expense | 1,120,000 | 2,303,000 | 3,598,000 | 4,907,000 |
| Net interest income | 1,493,000 | 2,981,000 | 4,542,000 | 6,094,000 |
| Noninterest income | 561,000 | 1,467,000 | 1,928,000 | 2,320,000 |
| Noninterest expense | 1,514,000 | 3,188,000 | 4,771,000 | 6,538,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 6,000 |
| Pretax income | 540,000 | 1,260,000 | 1,693,000 | 1,471,000 |
| Income tax | -3,000 | -6,000 | -11,000 | -2,223,000 |
| Net income | 543,000 | 1,266,000 | 1,704,000 | 3,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,699,000 | 13,391,000 | 13,734,000 | 13,539,000 |
| Total capital | 14,391,000 | 15,162,000 | 15,485,000 | 15,145,000 |
| Risk-weighted assets | 132,235,000 | 139,719,000 | 138,759,000 | 127,183,000 |