Call reports 2004
UNION BANK AND TRUST COMPANY — 2004
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 63,266,000 | 67,706,000 | 61,488,000 | 65,150,000 |
| Total loans | 23,008,000 | 22,489,000 | 23,108,000 | 23,087,000 |
| Allowance for loan losses | 384,000 | 384,000 | 384,000 | 384,000 |
| Securities available for sale | 28,127,000 | 32,178,000 | 34,532,000 | 33,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,752,000 | 58,871,000 | 52,121,000 | 55,964,000 |
| Interest-bearing deposits | 28,110,000 | 27,008,000 | 22,307,000 | 25,445,000 |
| Noninterest-bearing deposits | 25,642,000 | 31,863,000 | 29,814,000 | 30,519,000 |
| Equity capital | 8,931,000 | 8,445,000 | 8,878,000 | 9,083,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 807,000 | 1,490,000 | 2,204,000 | 2,817,000 |
| Interest expense | 117,000 | 221,000 | 321,000 | 423,000 |
| Net interest income | 690,000 | 1,269,000 | 1,883,000 | 2,394,000 |
| Noninterest income | 916,000 | 1,850,000 | 2,736,000 | 3,656,000 |
| Noninterest expense | 1,038,000 | 2,067,000 | 3,069,000 | 4,107,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 568,000 | 1,052,000 | 1,550,000 | 2,052,000 |
| Income tax | 211,000 | 409,000 | 612,000 | 781,000 |
| Net income | 357,000 | 643,000 | 938,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,573,000 | 8,446,000 | 8,742,000 | 9,075,000 |
| Total capital | 8,950,000 | 8,832,000 | 9,122,000 | 9,460,000 |
| Risk-weighted assets | 30,140,000 | 30,864,000 | 30,368,000 | 30,801,000 |