Call reports 2006
UNION BANK AND TRUST COMPANY — 2006
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 127,307,000 | 133,114,000 | 131,504,000 | 132,404,000 |
| Total loans | 81,767,000 | 86,201,000 | 85,616,000 | 78,553,000 |
| Allowance for loan losses | 967,000 | 1,002,000 | 1,023,000 | 960,000 |
| Securities available for sale | 32,968,000 | 32,019,000 | 32,281,000 | 31,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,082,000 | 120,148,000 | 117,739,000 | 119,396,000 |
| Interest-bearing deposits | 86,001,000 | 87,668,000 | 88,495,000 | 87,292,000 |
| Noninterest-bearing deposits | 28,081,000 | 32,480,000 | 29,244,000 | 32,104,000 |
| Equity capital | 11,402,000 | 11,162,000 | 11,597,000 | 11,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,698,000 | 3,469,000 | 5,314,000 | 7,086,000 |
| Interest expense | 517,000 | 1,109,000 | 1,756,000 | 2,389,000 |
| Net interest income | 1,181,000 | 2,360,000 | 3,558,000 | 4,697,000 |
| Noninterest income | 212,000 | 467,000 | 737,000 | 1,031,000 |
| Noninterest expense | 1,181,000 | 2,387,000 | 3,684,000 | 4,987,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 272,000 |
| Pretax income | 162,000 | 340,000 | 461,000 | 469,000 |
| Income tax | 39,000 | 83,000 | 113,000 | -63,000 |
| Net income | 123,000 | 257,000 | 348,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,472,000 | 11,410,000 | 11,529,000 | 11,737,000 |
| Total capital | 12,606,000 | 12,556,000 | 12,721,000 | 12,803,000 |
| Risk-weighted assets | 99,337,000 | 104,873,000 | 103,800,000 | 98,813,000 |