Call reports 2008
UNION BANK & TRUST COMPANY — 2008
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 173,896,000 | 172,257,000 | 181,273,000 | 180,252,000 |
| Total loans | 109,914,000 | 113,848,000 | 117,550,000 | 118,052,000 |
| Allowance for loan losses | 2,420,000 | 2,578,000 | 2,832,000 | 2,502,000 |
| Securities available for sale | 44,693,000 | 40,840,000 | 45,398,000 | 45,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,687,000 | 146,420,000 | 149,006,000 | 142,602,000 |
| Interest-bearing deposits | 127,036,000 | 126,466,000 | 127,785,000 | 122,910,000 |
| Noninterest-bearing deposits | 19,651,000 | 19,954,000 | 21,221,000 | 19,692,000 |
| Equity capital | 16,665,000 | 16,155,000 | 16,382,000 | 17,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,903,000 | 5,701,000 | 8,495,000 | 11,235,000 |
| Interest expense | 1,209,000 | 2,274,000 | 3,307,000 | 4,227,000 |
| Net interest income | 1,694,000 | 3,427,000 | 5,188,000 | 7,008,000 |
| Noninterest income | 537,000 | 1,019,000 | 1,497,000 | 1,917,000 |
| Noninterest expense | 1,713,000 | 3,454,000 | 5,168,000 | 6,917,000 |
| Provision for loan losses | 120,000 | 260,000 | 550,000 | 730,000 |
| Pretax income | 398,000 | 743,000 | 981,000 | 1,292,000 |
| Income tax | 106,000 | 203,000 | 257,000 | 271,000 |
| Net income | 292,000 | 540,000 | 724,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,776,000 | 14,668,000 | 14,935,000 | 15,523,000 |
| Total capital | 16,332,000 | 16,237,000 | 16,554,000 | 17,122,000 |
| Risk-weighted assets | 123,589,000 | 124,534,000 | 128,302,000 | 127,034,000 |