Call reports 2010
UNION BANK AND TRUST COMPANY — 2010
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 78,359,000 | 80,284,000 | 86,312,000 | 85,300,000 |
| Total loans | 23,303,000 | 21,913,000 | 21,991,000 | 22,215,000 |
| Allowance for loan losses | 417,000 | 315,000 | 259,000 | 379,000 |
| Securities available for sale | 24,666,000 | 24,472,000 | 24,656,000 | 28,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,867,000 | 69,202,000 | 75,065,000 | 74,687,000 |
| Interest-bearing deposits | 32,746,000 | 36,858,000 | 36,593,000 | 36,838,000 |
| Noninterest-bearing deposits | 35,121,000 | 32,344,000 | 38,472,000 | 37,849,000 |
| Equity capital | 10,215,000 | 10,483,000 | 10,564,000 | 10,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,265,000 | 1,855,000 | 2,455,000 |
| Interest expense | 104,000 | 212,000 | 322,000 | 429,000 |
| Net interest income | 529,000 | 1,053,000 | 1,533,000 | 2,026,000 |
| Noninterest income | 633,000 | 1,316,000 | 1,898,000 | 2,532,000 |
| Noninterest expense | 1,042,000 | 2,037,000 | 2,995,000 | 3,929,000 |
| Provision for loan losses | 0 | 20,000 | 80,000 | 207,000 |
| Pretax income | 120,000 | 312,000 | 356,000 | 422,000 |
| Income tax | 49,000 | 128,000 | 146,000 | 173,000 |
| Net income | 71,000 | 184,000 | 210,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,944,000 | 10,057,000 | 10,083,000 | 10,122,000 |
| Total capital | 10,361,000 | 10,372,000 | 10,342,000 | 10,501,000 |
| Risk-weighted assets | 35,271,000 | 34,544,000 | 36,057,000 | 36,230,000 |