Call reports 2010
UNION BANK AND TRUST COMPANY — 2010
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 123,090,000 | 125,089,000 | 123,657,000 | 123,193,000 |
| Total loans | 69,624,000 | 69,423,000 | 70,105,000 | 72,042,000 |
| Allowance for loan losses | 962,000 | 1,013,000 | 1,075,000 | 1,115,000 |
| Securities available for sale | 30,477,000 | 34,220,000 | 37,212,000 | 33,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,143,000 | 113,295,000 | 111,864,000 | 111,642,000 |
| Interest-bearing deposits | 78,762,000 | 82,156,000 | 79,558,000 | 77,988,000 |
| Noninterest-bearing deposits | 33,381,000 | 31,139,000 | 32,306,000 | 33,654,000 |
| Equity capital | 9,992,000 | 10,365,000 | 10,588,000 | 10,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,230,000 | 2,525,000 | 3,792,000 | 5,091,000 |
| Interest expense | 143,000 | 281,000 | 412,000 | 531,000 |
| Net interest income | 1,087,000 | 2,244,000 | 3,380,000 | 4,560,000 |
| Noninterest income | 220,000 | 668,000 | 938,000 | 1,159,000 |
| Noninterest expense | 1,231,000 | 2,596,000 | 3,925,000 | 5,261,000 |
| Provision for loan losses | 138,000 | 235,000 | 315,000 | 353,000 |
| Pretax income | -24,000 | 187,000 | 215,000 | 370,000 |
| Income tax | -7,000 | -6,000 | 1,000 | -52,000 |
| Net income | -17,000 | 193,000 | 214,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,567,000 | 10,803,000 | 10,850,000 | 9,365,000 |
| Total capital | 11,707,000 | 11,969,000 | 12,073,000 | 10,649,000 |
| Risk-weighted assets | 92,702,000 | 92,457,000 | 95,232,000 | 95,306,000 |