Call reports 2007
UNION BANK & TRUST COMPANY — 2007
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 184,400,000 | 183,708,000 | 181,068,000 | 176,408,000 |
| Total loans | 115,190,000 | 121,312,000 | 116,294,000 | 112,902,000 |
| Allowance for loan losses | 2,984,000 | 3,149,000 | 3,335,000 | 2,529,000 |
| Securities available for sale | 46,452,000 | 42,166,000 | 42,311,000 | 45,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,846,000 | 151,483,000 | 153,443,000 | 147,768,000 |
| Interest-bearing deposits | 134,038,000 | 130,952,000 | 132,341,000 | 128,951,000 |
| Noninterest-bearing deposits | 22,808,000 | 20,531,000 | 21,102,000 | 18,817,000 |
| Equity capital | 15,781,000 | 15,272,000 | 15,765,000 | 16,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,945,000 | 5,963,000 | 9,010,000 | 12,020,000 |
| Interest expense | 1,395,000 | 2,811,000 | 4,222,000 | 5,570,000 |
| Net interest income | 1,550,000 | 3,152,000 | 4,788,000 | 6,450,000 |
| Noninterest income | 476,000 | 1,196,000 | 1,658,000 | 2,159,000 |
| Noninterest expense | 1,620,000 | 3,357,000 | 5,055,000 | 6,897,000 |
| Provision for loan losses | 91,000 | 379,000 | 650,000 | 650,000 |
| Pretax income | 317,000 | 614,000 | 740,000 | 1,058,000 |
| Income tax | 26,000 | 119,000 | -17,000 | 331,000 |
| Net income | 291,000 | 495,000 | 757,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,737,000 | 13,541,000 | 13,777,000 | 14,228,000 |
| Total capital | 15,374,000 | 15,239,000 | 15,419,000 | 15,828,000 |
| Risk-weighted assets | 129,619,000 | 134,413,000 | 129,656,000 | 127,070,000 |