Call reports 2015
UNION BANK & TRUST COMPANY — 2015
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 212,069,000 | 211,818,000 | 211,235,000 | 224,141,000 |
| Total loans | 141,051,000 | 140,953,000 | 144,187,000 | 147,743,000 |
| Allowance for loan losses | 992,000 | 1,055,000 | 1,105,000 | 1,088,000 |
| Securities available for sale | 56,707,000 | 54,868,000 | 53,144,000 | 52,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,702,000 | 186,931,000 | 182,314,000 | 197,951,000 |
| Interest-bearing deposits | 164,148,000 | 164,260,000 | 159,956,000 | 173,931,000 |
| Noninterest-bearing deposits | 21,554,000 | 22,671,000 | 22,358,000 | 24,020,000 |
| Equity capital | 19,662,000 | 19,842,000 | 20,539,000 | 20,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,120,000 | 4,263,000 | 6,380,000 | 8,511,000 |
| Interest expense | 165,000 | 343,000 | 526,000 | 705,000 |
| Net interest income | 1,955,000 | 3,920,000 | 5,854,000 | 7,806,000 |
| Noninterest income | 408,000 | 861,000 | 1,471,000 | 2,118,000 |
| Noninterest expense | 1,792,000 | 3,495,000 | 5,239,000 | 6,994,000 |
| Provision for loan losses | 60,000 | 120,000 | 181,000 | 240,000 |
| Pretax income | 511,000 | 1,166,000 | 1,905,000 | 2,690,000 |
| Income tax | 123,000 | 304,000 | 521,000 | 757,000 |
| Net income | 388,000 | 862,000 | 1,384,000 | 1,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,587,000 | 19,064,000 | 19,588,000 | 20,140,000 |
| Total capital | 19,579,000 | 20,119,000 | 20,693,000 | 21,228,000 |
| Risk-weighted assets | 142,340,000 | 144,703,000 | 157,326,000 | 159,083,000 |