Call reports 2005
UNION BANK AND TRUST COMPANY — 2005
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,532,000 | 71,525,000 | 73,707,000 | 71,951,000 |
| Total loans | 22,838,000 | 22,081,000 | 22,018,000 | 22,042,000 |
| Allowance for loan losses | 383,000 | 383,000 | 383,000 | 385,000 |
| Securities available for sale | 35,155,000 | 37,741,000 | 37,674,000 | 37,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,469,000 | 62,161,000 | 64,543,000 | 62,740,000 |
| Interest-bearing deposits | 26,894,000 | 25,692,000 | 24,942,000 | 24,421,000 |
| Noninterest-bearing deposits | 35,575,000 | 36,469,000 | 39,600,000 | 38,319,000 |
| Equity capital | 8,678,000 | 9,034,000 | 8,798,000 | 9,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 723,000 | 1,467,000 | 2,238,000 | 3,031,000 |
| Interest expense | 102,000 | 199,000 | 301,000 | 413,000 |
| Net interest income | 621,000 | 1,268,000 | 1,937,000 | 2,618,000 |
| Noninterest income | 888,000 | 1,870,000 | 2,772,000 | 3,788,000 |
| Noninterest expense | 1,029,000 | 2,051,000 | 3,073,000 | 4,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 479,000 | 1,086,000 | 1,635,000 | 2,271,000 |
| Income tax | 196,000 | 440,000 | 670,000 | 941,000 |
| Net income | 283,000 | 646,000 | 965,000 | 1,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,761,000 | 9,125,000 | 9,031,000 | 9,396,000 |
| Total capital | 9,144,000 | 9,508,000 | 9,414,000 | 9,781,000 |
| Risk-weighted assets | 32,050,000 | 31,672,000 | 32,362,000 | 32,325,000 |