Call reports 2003
UNION BANK AND TRUST COMPANY — 2003
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 123,882,000 | 126,286,000 | 122,258,000 | 125,278,000 |
| Total loans | 68,442,000 | 65,075,000 | 65,560,000 | 65,691,000 |
| Allowance for loan losses | 1,145,000 | 1,119,000 | 1,186,000 | 908,000 |
| Securities available for sale | 30,366,000 | 35,795,000 | 38,455,000 | 39,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,101,000 | 112,878,000 | 109,478,000 | 112,306,000 |
| Interest-bearing deposits | 88,210,000 | 88,846,000 | 87,154,000 | 86,748,000 |
| Noninterest-bearing deposits | 22,891,000 | 24,032,000 | 22,324,000 | 25,558,000 |
| Equity capital | 10,790,000 | 11,192,000 | 10,913,000 | 11,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,915,000 | 4,327,000 | 5,744,000 |
| Interest expense | 313,000 | 599,000 | 853,000 | 1,092,000 |
| Net interest income | 1,049,000 | 2,316,000 | 3,474,000 | 4,652,000 |
| Noninterest income | 225,000 | 536,000 | 796,000 | 986,000 |
| Noninterest expense | 1,104,000 | 2,311,000 | 3,466,000 | 4,654,000 |
| Provision for loan losses | 25,000 | 50,000 | 123,000 | -131,000 |
| Pretax income | 152,000 | 814,000 | 1,146,000 | 1,562,000 |
| Income tax | 36,000 | 201,000 | 285,000 | 436,000 |
| Net income | 116,000 | 613,000 | 861,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,504,000 | 9,858,000 | 10,132,000 | 10,215,000 |
| Total capital | 10,506,000 | 10,862,000 | 11,165,000 | 11,287,000 |
| Risk-weighted assets | 75,691,000 | 78,153,000 | 80,427,000 | 83,333,000 |