Call reports 2004
UNION BANK AND TRUST COMPANY — 2004
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 125,575,000 | 126,635,000 | 125,562,000 | 127,061,000 |
| Total loans | 64,222,000 | 65,117,000 | 67,195,000 | 69,485,000 |
| Allowance for loan losses | 933,000 | 937,000 | 948,000 | 924,000 |
| Securities available for sale | 39,079,000 | 40,149,000 | 39,053,000 | 34,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,903,000 | 113,968,000 | 112,274,000 | 113,884,000 |
| Interest-bearing deposits | 87,386,000 | 88,964,000 | 86,993,000 | 88,238,000 |
| Noninterest-bearing deposits | 24,517,000 | 25,004,000 | 25,281,000 | 25,646,000 |
| Equity capital | 11,527,000 | 10,731,000 | 11,259,000 | 11,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,431,000 | 2,795,000 | 4,213,000 | 5,670,000 |
| Interest expense | 230,000 | 469,000 | 736,000 | 1,031,000 |
| Net interest income | 1,201,000 | 2,326,000 | 3,477,000 | 4,639,000 |
| Noninterest income | 186,000 | 427,000 | 703,000 | 942,000 |
| Noninterest expense | 1,084,000 | 2,199,000 | 3,342,000 | 4,536,000 |
| Provision for loan losses | 25,000 | 25,000 | 50,000 | 50,000 |
| Pretax income | 277,000 | 533,000 | 783,000 | 1,177,000 |
| Income tax | 69,000 | 131,000 | 195,000 | 295,000 |
| Net income | 208,000 | 402,000 | 588,000 | 882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,412,000 | 10,462,000 | 10,424,000 | 10,861,000 |
| Total capital | 11,477,000 | 11,493,000 | 11,502,000 | 11,919,000 |
| Risk-weighted assets | 82,262,000 | 84,762,000 | 89,917,000 | 90,102,000 |