Call reports 2002
UNION BANK AND TRUST COMPANY — 2002
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 118,185,000 | 119,871,000 | 120,121,000 | 121,404,000 |
| Total loans | 70,053,000 | 70,823,000 | 72,045,000 | 70,327,000 |
| Allowance for loan losses | 685,000 | 714,000 | 1,211,000 | 1,234,000 |
| Securities available for sale | 27,459,000 | 28,216,000 | 28,709,000 | 27,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,572,000 | 107,089,000 | 107,257,000 | 108,242,000 |
| Interest-bearing deposits | 85,951,000 | 87,348,000 | 86,470,000 | 87,133,000 |
| Noninterest-bearing deposits | 19,621,000 | 19,741,000 | 20,787,000 | 21,109,000 |
| Equity capital | 10,564,000 | 10,872,000 | 10,877,000 | 10,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,330,000 | 4,910,000 | 6,452,000 |
| Interest expense | 426,000 | 843,000 | 1,235,000 | 1,598,000 |
| Net interest income | 1,246,000 | 2,487,000 | 3,675,000 | 4,854,000 |
| Noninterest income | 155,000 | 348,000 | 575,000 | 808,000 |
| Noninterest expense | 1,045,000 | 2,194,000 | 3,327,000 | 4,486,000 |
| Provision for loan losses | 62,000 | 125,000 | 672,000 | 700,000 |
| Pretax income | 396,000 | 732,000 | 574,000 | 893,000 |
| Income tax | 99,000 | 184,000 | 145,000 | 232,000 |
| Net income | 297,000 | 548,000 | 429,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,481,000 | 9,589,000 | 9,495,000 | 9,362,000 |
| Total capital | 10,288,000 | 10,417,000 | 10,494,000 | 10,369,000 |
| Risk-weighted assets | 72,263,000 | 75,383,000 | 75,211,000 | 76,381,000 |