Call reports 2006
UNION BANK AND TRUST COMPANY — 2006
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 70,018,000 | 74,999,000 | 83,574,000 | 76,676,000 |
| Total loans | 21,514,000 | 20,488,000 | 21,314,000 | 21,385,000 |
| Allowance for loan losses | 385,000 | 385,000 | 385,000 | 384,000 |
| Securities available for sale | 37,657,000 | 36,910,000 | 37,914,000 | 39,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,013,000 | 65,859,000 | 73,686,000 | 66,619,000 |
| Interest-bearing deposits | 23,580,000 | 24,353,000 | 24,016,000 | 26,489,000 |
| Noninterest-bearing deposits | 37,433,000 | 41,506,000 | 49,670,000 | 40,129,000 |
| Equity capital | 8,662,000 | 8,809,000 | 9,421,000 | 9,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,585,000 | 2,429,000 | 3,343,000 |
| Interest expense | 114,000 | 239,000 | 376,000 | 522,000 |
| Net interest income | 664,000 | 1,346,000 | 2,053,000 | 2,821,000 |
| Noninterest income | 972,000 | 1,860,000 | 2,693,000 | 3,581,000 |
| Noninterest expense | 1,111,000 | 2,189,000 | 3,197,000 | 4,242,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 525,000 | 1,017,000 | 1,549,000 | 2,160,000 |
| Income tax | 215,000 | 417,000 | 635,000 | 885,000 |
| Net income | 310,000 | 600,000 | 914,000 | 1,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,064,000 | 9,354,000 | 9,668,000 | 10,029,000 |
| Total capital | 9,449,000 | 9,739,000 | 10,053,000 | 10,413,000 |
| Risk-weighted assets | 31,513,000 | 31,773,000 | 33,433,000 | 32,554,000 |