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 | 253,740,000 | 262,067,000 | 264,650,000 | 265,340,000 |
| Total loans | 200,682,000 | 207,247,000 | 209,232,000 | 213,189,000 |
| Allowance for loan losses | 2,232,000 | 2,291,000 | 2,378,000 | 2,573,000 |
| Securities available for sale | 22,242,000 | 30,238,000 | 28,853,000 | 26,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,292,000 | 218,363,000 | 223,279,000 | 222,072,000 |
| Interest-bearing deposits | 175,375,000 | 177,373,000 | 180,679,000 | 178,280,000 |
| Noninterest-bearing deposits | 35,917,000 | 40,990,000 | 42,600,000 | 43,792,000 |
| Equity capital | 28,429,000 | 28,578,000 | 29,294,000 | 29,313,000 |
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 | 2,983,000 | 6,092,000 | 9,296,000 | 12,435,000 |
| Interest expense | 199,000 | 422,000 | 673,000 | 932,000 |
| Net interest income | 2,784,000 | 5,670,000 | 8,623,000 | 11,503,000 |
| Noninterest income | 245,000 | 501,000 | 783,000 | 898,000 |
| Noninterest expense | 2,629,000 | 5,017,000 | 7,447,000 | 9,764,000 |
| Provision for loan losses | -130,000 | -2,000 | 206,000 | 776,000 |
| Pretax income | 530,000 | 1,156,000 | 1,753,000 | 1,861,000 |
| Income tax | 171,000 | 381,000 | 584,000 | 600,000 |
| Net income | 359,000 | 775,000 | 1,169,000 | 1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,871,000 | 28,271,000 | 28,843,000 | 28,931,000 |
| Total capital | 30,103,000 | 30,562,000 | 31,221,000 | 31,504,000 |
| Risk-weighted assets | 200,701,000 | 208,989,000 | 209,738,000 | 218,945,000 |