Call reports 2003
UNION BANK AND TRUST COMPANY — 2003
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,575,000 | 67,788,000 | 66,499,000 | 67,721,000 |
| Total loans | 23,778,000 | 22,854,000 | 23,991,000 | 22,108,000 |
| Allowance for loan losses | 359,000 | 359,000 | 359,000 | 399,000 |
| Securities available for sale | 26,707,000 | 26,201,000 | 29,313,000 | 33,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,148,000 | 58,028,000 | 56,790,000 | 58,327,000 |
| Interest-bearing deposits | 27,878,000 | 29,778,000 | 29,574,000 | 28,731,000 |
| Noninterest-bearing deposits | 25,270,000 | 28,250,000 | 27,216,000 | 29,596,000 |
| Equity capital | 8,711,000 | 9,061,000 | 8,974,000 | 9,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,506,000 | 2,232,000 | 2,951,000 |
| Interest expense | 143,000 | 279,000 | 404,000 | 530,000 |
| Net interest income | 628,000 | 1,227,000 | 1,828,000 | 2,421,000 |
| Noninterest income | 910,000 | 1,828,000 | 2,753,000 | 3,606,000 |
| Noninterest expense | 1,036,000 | 2,083,000 | 3,121,000 | 4,136,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 502,000 | 972,000 | 1,460,000 | 1,851,000 |
| Income tax | 206,000 | 398,000 | 590,000 | 777,000 |
| Net income | 296,000 | 574,000 | 870,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,172,000 | 8,450,000 | 8,516,000 | 8,720,000 |
| Total capital | 8,531,000 | 8,809,000 | 8,875,000 | 9,099,000 |
| Risk-weighted assets | 29,718,000 | 30,484,000 | 31,603,000 | 30,345,000 |