Call reports 2012
UNION BANK & TRUST COMPANY — 2012
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 79,752,000 | 78,296,000 | 78,537,000 | 79,221,000 |
| Total loans | 49,902,000 | 50,870,000 | 50,119,000 | 49,925,000 |
| Allowance for loan losses | 816,000 | 844,000 | 826,000 | 896,000 |
| Securities available for sale | 20,213,000 | 21,213,000 | 20,177,000 | 18,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,426,000 | 68,392,000 | 68,008,000 | 70,218,000 |
| Interest-bearing deposits | 57,760,000 | 56,420,000 | 56,041,000 | 57,648,000 |
| Noninterest-bearing deposits | 12,666,000 | 11,972,000 | 11,967,000 | 12,570,000 |
| Equity capital | 8,987,000 | 9,517,000 | 10,033,000 | 8,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,095,000 | 2,145,000 | 3,203,000 | 4,262,000 |
| Interest expense | 101,000 | 192,000 | 278,000 | 359,000 |
| Net interest income | 994,000 | 1,953,000 | 2,925,000 | 3,903,000 |
| Noninterest income | 134,000 | 291,000 | 397,000 | 501,000 |
| Noninterest expense | 545,000 | 1,094,000 | 1,625,000 | 2,187,000 |
| Provision for loan losses | 115,000 | 164,000 | 228,000 | 317,000 |
| Pretax income | 468,000 | 986,000 | 1,469,000 | 1,900,000 |
| Income tax | 27,000 | 67,000 | 100,000 | 128,000 |
| Net income | 441,000 | 919,000 | 1,369,000 | 1,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,444,000 | 8,922,000 | 9,373,000 | 8,136,000 |
| Total capital | 9,035,000 | 9,518,000 | 9,962,000 | 8,731,000 |
| Risk-weighted assets | 47,058,000 | 47,418,000 | 46,883,000 | 47,266,000 |