Call reports 2009
UNION BANK AND TRUST COMPANY — 2009
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 120,737,000 | 137,272,000 | 127,755,000 | 124,125,000 |
| Total loans | 72,953,000 | 66,671,000 | 67,055,000 | 68,248,000 |
| Allowance for loan losses | 1,355,000 | 1,320,000 | 1,363,000 | 1,581,000 |
| Securities available for sale | 17,860,000 | 21,326,000 | 30,097,000 | 29,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,236,000 | 125,776,000 | 115,881,000 | 113,455,000 |
| Interest-bearing deposits | 84,586,000 | 88,501,000 | 84,555,000 | 80,553,000 |
| Noninterest-bearing deposits | 24,650,000 | 37,275,000 | 31,326,000 | 32,902,000 |
| Equity capital | 9,917,000 | 10,193,000 | 10,118,000 | 9,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,177,000 | 2,341,000 | 3,575,000 | 4,842,000 |
| Interest expense | 282,000 | 562,000 | 816,000 | 1,002,000 |
| Net interest income | 895,000 | 1,779,000 | 2,759,000 | 3,840,000 |
| Noninterest income | 230,000 | 481,000 | 711,000 | 1,022,000 |
| Noninterest expense | 1,181,000 | 2,473,000 | 3,765,000 | 5,266,000 |
| Provision for loan losses | 410,000 | 437,000 | 441,000 | 676,000 |
| Pretax income | -463,000 | -646,000 | -830,000 | -2,229,000 |
| Income tax | 0 | -164,000 | -211,000 | -700,000 |
| Net income | -463,000 | -482,000 | -619,000 | -1,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,709,000 | 10,529,000 | 10,477,000 | 10,560,000 |
| Total capital | 11,903,000 | 11,706,000 | 11,646,000 | 11,765,000 |
| Risk-weighted assets | 95,281,000 | 93,924,000 | 93,162,000 | 93,827,000 |