Call reports 2016
UNION BANK & TRUST COMPANY — 2016
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 220,545,000 | 231,335,000 | 234,950,000 | 234,071,000 |
| Total loans | 153,397,000 | 167,168,000 | 170,832,000 | 164,490,000 |
| Allowance for loan losses | 1,159,000 | 1,279,000 | 1,354,000 | 1,449,000 |
| Securities available for sale | 53,466,000 | 50,543,000 | 49,472,000 | 46,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,562,000 | 191,800,000 | 198,977,000 | 207,208,000 |
| Interest-bearing deposits | 168,265,000 | 167,658,000 | 172,577,000 | 179,843,000 |
| Noninterest-bearing deposits | 22,297,000 | 24,142,000 | 26,400,000 | 27,365,000 |
| Equity capital | 20,959,000 | 21,588,000 | 21,796,000 | 21,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,161,000 | 4,457,000 | 6,795,000 | 9,112,000 |
| Interest expense | 207,000 | 438,000 | 686,000 | 921,000 |
| Net interest income | 1,954,000 | 4,019,000 | 6,109,000 | 8,191,000 |
| Noninterest income | 479,000 | 1,077,000 | 1,796,000 | 2,585,000 |
| Noninterest expense | 1,837,000 | 3,708,000 | 5,625,000 | 7,650,000 |
| Provision for loan losses | 75,000 | 195,000 | 270,000 | 365,000 |
| Pretax income | 521,000 | 1,195,000 | 2,012,000 | 2,763,000 |
| Income tax | 132,000 | 325,000 | 583,000 | 815,000 |
| Net income | 389,000 | 870,000 | 1,429,000 | 1,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,935,000 | 20,420,000 | 20,812,000 | 21,334,000 |
| Total capital | 21,094,000 | 21,699,000 | 22,166,000 | 22,783,000 |
| Risk-weighted assets | 164,807,000 | 178,109,000 | 177,206,000 | 171,349,000 |