Call reports 2008
UNION BANK AND TRUST COMPANY — 2008
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 121,393,000 | 121,891,000 | 122,531,000 | 119,345,000 |
| Total loans | 73,168,000 | 71,184,000 | 71,792,000 | 71,289,000 |
| Allowance for loan losses | 1,350,000 | 1,343,000 | 1,180,000 | 989,000 |
| Securities available for sale | 26,748,000 | 23,488,000 | 22,196,000 | 21,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,357,000 | 109,258,000 | 110,040,000 | 107,186,000 |
| Interest-bearing deposits | 83,026,000 | 84,258,000 | 85,520,000 | 80,176,000 |
| Noninterest-bearing deposits | 25,331,000 | 25,000,000 | 24,520,000 | 27,010,000 |
| Equity capital | 11,895,000 | 11,495,000 | 11,268,000 | 10,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,526,000 | 3,009,000 | 4,451,000 | 5,844,000 |
| Interest expense | 443,000 | 785,000 | 1,124,000 | 1,418,000 |
| Net interest income | 1,083,000 | 2,224,000 | 3,327,000 | 4,426,000 |
| Noninterest income | 244,000 | 509,000 | 767,000 | 1,057,000 |
| Noninterest expense | 1,178,000 | 2,412,000 | 3,640,000 | 5,026,000 |
| Provision for loan losses | 19,000 | 30,000 | 42,000 | 577,000 |
| Pretax income | 139,000 | 300,000 | 424,000 | -98,000 |
| Income tax | 30,000 | 74,000 | 102,000 | -232,000 |
| Net income | 109,000 | 226,000 | 322,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,994,000 | 11,648,000 | 11,943,000 | 11,546,000 |
| Total capital | 13,196,000 | 12,840,000 | 13,138,000 | 12,645,000 |
| Risk-weighted assets | 95,945,000 | 95,086,000 | 95,483,000 | 93,948,000 |