Call reports 2009
UNION BANK AND TRUST COMPANY — 2009
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 66,072,000 | 66,006,000 | 70,088,000 | 75,835,000 |
| Total loans | 22,046,000 | 23,357,000 | 23,063,000 | 22,970,000 |
| Allowance for loan losses | 444,000 | 469,000 | 332,000 | 417,000 |
| Securities available for sale | 20,192,000 | 21,092,000 | 21,789,000 | 23,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,378,000 | 55,387,000 | 59,250,000 | 65,208,000 |
| Interest-bearing deposits | 20,367,000 | 20,818,000 | 22,466,000 | 27,780,000 |
| Noninterest-bearing deposits | 35,011,000 | 34,569,000 | 36,784,000 | 37,428,000 |
| Equity capital | 10,278,000 | 10,255,000 | 10,410,000 | 10,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,221,000 | 1,833,000 | 2,448,000 |
| Interest expense | 75,000 | 156,000 | 246,000 | 350,000 |
| Net interest income | 559,000 | 1,065,000 | 1,587,000 | 2,098,000 |
| Noninterest income | 759,000 | 1,432,000 | 2,041,000 | 2,678,000 |
| Noninterest expense | 1,043,000 | 2,097,000 | 3,135,000 | 4,151,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 160,000 |
| Pretax income | 250,000 | 350,000 | 418,000 | 465,000 |
| Income tax | 75,000 | 99,000 | 93,000 | 85,000 |
| Net income | 175,000 | 251,000 | 325,000 | 380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,898,000 | 9,974,000 | 10,047,000 | 10,103,000 |
| Total capital | 10,293,000 | 10,381,000 | 10,379,000 | 10,520,000 |
| Risk-weighted assets | 31,523,000 | 32,516,000 | 33,139,000 | 34,443,000 |