Call reports 2007
UNION BANK AND TRUST COMPANY — 2007
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 127,377,000 | 126,609,000 | 124,896,000 | 122,661,000 |
| Total loans | 77,631,000 | 77,216,000 | 74,832,000 | 73,611,000 |
| Allowance for loan losses | 944,000 | 921,000 | 963,000 | 1,344,000 |
| Securities available for sale | 31,666,000 | 31,360,000 | 31,923,000 | 29,779,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,268,000 | 113,673,000 | 111,349,000 | 110,050,000 |
| Interest-bearing deposits | 87,547,000 | 88,743,000 | 87,346,000 | 83,530,000 |
| Noninterest-bearing deposits | 26,721,000 | 24,930,000 | 24,003,000 | 26,520,000 |
| Equity capital | 11,959,000 | 11,829,000 | 12,171,000 | 11,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,784,000 | 3,603,000 | 5,411,000 | 7,134,000 |
| Interest expense | 637,000 | 1,284,000 | 1,924,000 | 2,477,000 |
| Net interest income | 1,147,000 | 2,319,000 | 3,487,000 | 4,657,000 |
| Noninterest income | 242,000 | 485,000 | 756,000 | 1,098,000 |
| Noninterest expense | 1,086,000 | 2,147,000 | 3,287,000 | 4,482,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 967,000 |
| Pretax income | 258,000 | 567,000 | 816,000 | 309,000 |
| Income tax | 63,000 | 140,000 | 202,000 | -60,000 |
| Net income | 195,000 | 427,000 | 614,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,039,000 | 11,964,000 | 12,156,000 | 11,611,000 |
| Total capital | 13,094,000 | 13,001,000 | 13,235,000 | 12,817,000 |
| Risk-weighted assets | 96,637,000 | 98,171,000 | 97,649,000 | 96,182,000 |