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 | 283,692,000 | 289,347,000 | 299,480,000 | 299,731,000 |
| Total loans | 220,503,000 | 229,660,000 | 232,657,000 | 243,736,000 |
| Allowance for loan losses | 2,673,000 | 2,793,000 | 2,677,000 | 2,788,000 |
| Securities available for sale | 27,397,000 | 29,115,000 | 29,632,000 | 28,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,883,000 | 240,085,000 | 251,745,000 | 247,415,000 |
| Interest-bearing deposits | 188,745,000 | 192,821,000 | 200,281,000 | 196,549,000 |
| Noninterest-bearing deposits | 46,138,000 | 47,264,000 | 51,464,000 | 50,866,000 |
| Equity capital | 29,850,000 | 30,283,000 | 30,752,000 | 30,442,000 |
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 | 3,168,000 | 6,447,000 | 9,800,000 | 13,186,000 |
| Interest expense | 275,000 | 575,000 | 891,000 | 1,224,000 |
| Net interest income | 2,893,000 | 5,872,000 | 8,909,000 | 11,962,000 |
| Noninterest income | 260,000 | 537,000 | 842,000 | 1,017,000 |
| Noninterest expense | 2,428,000 | 4,881,000 | 7,345,000 | 10,279,000 |
| Provision for loan losses | 108,000 | 244,000 | 301,000 | 684,000 |
| Pretax income | 617,000 | 1,284,000 | 2,105,000 | 2,016,000 |
| Income tax | 211,000 | 443,000 | 734,000 | 467,000 |
| Net income | 406,000 | 841,000 | 1,371,000 | 1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,317,000 | 29,612,000 | 30,150,000 | 30,351,000 |
| Total capital | 31,990,000 | 32,405,000 | 32,827,000 | 33,139,000 |
| Risk-weighted assets | 229,443,000 | 236,220,000 | 240,085,000 | 256,824,000 |