Call reports 2005
UNION BANK AND TRUST COMPANY — 2005
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 123,349,000 | 125,633,000 | 125,851,000 | 125,583,000 |
| Total loans | 74,415,000 | 77,791,000 | 78,754,000 | 75,877,000 |
| Allowance for loan losses | 963,000 | 984,000 | 977,000 | 959,000 |
| Securities available for sale | 34,418,000 | 33,990,000 | 32,637,000 | 33,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,250,000 | 112,100,000 | 112,267,000 | 112,098,000 |
| Interest-bearing deposits | 83,850,000 | 85,503,000 | 86,016,000 | 84,156,000 |
| Noninterest-bearing deposits | 26,400,000 | 26,597,000 | 26,251,000 | 27,942,000 |
| Equity capital | 11,442,000 | 11,844,000 | 11,751,000 | 11,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 3,012,000 | 4,645,000 | 6,347,000 |
| Interest expense | 322,000 | 681,000 | 1,093,000 | 1,553,000 |
| Net interest income | 1,154,000 | 2,331,000 | 3,552,000 | 4,794,000 |
| Noninterest income | 227,000 | 486,000 | 768,000 | 1,027,000 |
| Noninterest expense | 1,125,000 | 2,242,000 | 3,461,000 | 4,802,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 286,000 | 714,000 | 981,000 | 1,116,000 |
| Income tax | 71,000 | 178,000 | 260,000 | 247,000 |
| Net income | 215,000 | 536,000 | 721,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,100,000 | 11,327,000 | 11,532,000 | 11,254,000 |
| Total capital | 12,180,000 | 12,426,000 | 12,592,000 | 12,313,000 |
| Risk-weighted assets | 94,095,000 | 96,560,000 | 97,220,000 | 93,961,000 |