Call reports 2007
UNION BANK AND TRUST COMPANY — 2007
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 70,993,000 | 68,879,000 | 75,050,000 | 70,487,000 |
| Total loans | 20,946,000 | 20,299,000 | 19,955,000 | 20,533,000 |
| Allowance for loan losses | 384,000 | 361,000 | 361,000 | 361,000 |
| Securities available for sale | 37,736,000 | 36,964,000 | 35,652,000 | 36,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,114,000 | 58,619,000 | 64,630,000 | 59,740,000 |
| Interest-bearing deposits | 22,297,000 | 22,242,000 | 24,000,000 | 21,107,000 |
| Noninterest-bearing deposits | 38,818,000 | 36,377,000 | 40,630,000 | 38,633,000 |
| Equity capital | 9,615,000 | 9,880,000 | 9,991,000 | 10,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,746,000 | 2,607,000 | 3,450,000 |
| Interest expense | 137,000 | 266,000 | 406,000 | 539,000 |
| Net interest income | 726,000 | 1,480,000 | 2,201,000 | 2,911,000 |
| Noninterest income | 908,000 | 1,789,000 | 2,580,000 | 3,439,000 |
| Noninterest expense | 1,032,000 | 2,052,000 | 3,049,000 | 4,113,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 602,000 | 1,217,000 | 1,732,000 | 2,237,000 |
| Income tax | 247,000 | 499,000 | 710,000 | 917,000 |
| Net income | 355,000 | 718,000 | 1,022,000 | 1,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,742,000 | 10,105,000 | 9,950,000 | 10,249,000 |
| Total capital | 10,126,000 | 10,466,000 | 10,311,000 | 10,610,000 |
| Risk-weighted assets | 30,956,000 | 29,966,000 | 31,212,000 | 30,268,000 |