Call reports 2008
UNION BANK AND TRUST COMPANY — 2008
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 61,895,000 | 65,718,000 | 70,830,000 | 65,521,000 |
| Total loans | 20,924,000 | 20,610,000 | 23,214,000 | 22,565,000 |
| Allowance for loan losses | 359,000 | 359,000 | 359,000 | 419,000 |
| Securities available for sale | 22,079,000 | 25,235,000 | 26,341,000 | 22,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,182,000 | 55,260,000 | 59,842,000 | 54,472,000 |
| Interest-bearing deposits | 19,062,000 | 19,381,000 | 19,262,000 | 19,633,000 |
| Noninterest-bearing deposits | 32,120,000 | 35,879,000 | 40,580,000 | 34,839,000 |
| Equity capital | 10,170,000 | 10,122,000 | 10,484,000 | 10,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,513,000 | 2,216,000 | 2,928,000 |
| Interest expense | 113,000 | 203,000 | 283,000 | 364,000 |
| Net interest income | 705,000 | 1,310,000 | 1,933,000 | 2,564,000 |
| Noninterest income | 862,000 | 1,714,000 | 2,545,000 | 3,297,000 |
| Noninterest expense | 1,070,000 | 2,140,000 | 3,169,000 | 4,199,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 497,000 | 884,000 | 1,309,000 | 1,602,000 |
| Income tax | 202,000 | 361,000 | 535,000 | 661,000 |
| Net income | 295,000 | 523,000 | 774,000 | 941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,810,000 | 10,038,000 | 10,289,000 | 10,181,000 |
| Total capital | 10,169,000 | 10,397,000 | 10,648,000 | 10,579,000 |
| Risk-weighted assets | 28,853,000 | 30,625,000 | 33,304,000 | 31,846,000 |