Call reports 2009
UNION BANK & TRUST COMPANY — 2009
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 181,529,000 | 189,986,000 | 196,582,000 | 188,178,000 |
| Total loans | 118,723,000 | 131,925,000 | 133,380,000 | 126,316,000 |
| Allowance for loan losses | 2,541,000 | 2,437,000 | 2,510,000 | 2,512,000 |
| Securities available for sale | 46,751,000 | 43,323,000 | 41,627,000 | 40,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,475,000 | 152,017,000 | 158,131,000 | 149,372,000 |
| Interest-bearing deposits | 129,074,000 | 131,662,000 | 134,558,000 | 128,341,000 |
| Noninterest-bearing deposits | 20,401,000 | 20,355,000 | 23,573,000 | 21,031,000 |
| Equity capital | 17,532,000 | 17,519,000 | 17,990,000 | 18,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 5,279,000 | 8,031,000 | 10,671,000 |
| Interest expense | 806,000 | 1,613,000 | 2,408,000 | 3,152,000 |
| Net interest income | 1,756,000 | 3,666,000 | 5,623,000 | 7,519,000 |
| Noninterest income | 452,000 | 887,000 | 1,333,000 | 1,780,000 |
| Noninterest expense | 1,736,000 | 3,495,000 | 5,315,000 | 7,096,000 |
| Provision for loan losses | 170,000 | 364,000 | 534,000 | 664,000 |
| Pretax income | 302,000 | 712,000 | 1,125,000 | 1,599,000 |
| Income tax | 104,000 | 245,000 | 392,000 | 557,000 |
| Net income | 198,000 | 467,000 | 733,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,852,000 | 16,082,000 | 16,486,000 | 16,895,000 |
| Total capital | 17,467,000 | 17,867,000 | 18,288,000 | 18,605,000 |
| Risk-weighted assets | 128,245,000 | 142,188,000 | 143,469,000 | 135,982,000 |