Call reports 2013
UNION BANK & TRUST COMPANY — 2013
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,410,000 | 79,164,000 | 78,468,000 | 79,881,000 |
| Total loans | 51,168,000 | 54,412,000 | 54,598,000 | 56,730,000 |
| Allowance for loan losses | 854,000 | 931,000 | 923,000 | 950,000 |
| Securities available for sale | 19,903,000 | 17,682,000 | 16,886,000 | 15,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,131,000 | 69,800,000 | 68,659,000 | 69,743,000 |
| Interest-bearing deposits | 58,560,000 | 56,900,000 | 56,443,000 | 57,616,000 |
| Noninterest-bearing deposits | 13,571,000 | 12,900,000 | 12,216,000 | 12,127,000 |
| Equity capital | 9,033,000 | 9,075,000 | 9,414,000 | 9,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,073,000 | 3,121,000 | 4,218,000 |
| Interest expense | 73,000 | 140,000 | 198,000 | 255,000 |
| Net interest income | 958,000 | 1,933,000 | 2,923,000 | 3,963,000 |
| Noninterest income | 74,000 | 164,000 | 212,000 | 317,000 |
| Noninterest expense | 564,000 | 1,113,000 | 1,651,000 | 2,240,000 |
| Provision for loan losses | 92,000 | 169,000 | 185,000 | 254,000 |
| Pretax income | 384,000 | 848,000 | 1,332,000 | 1,819,000 |
| Income tax | 25,000 | 60,000 | 96,000 | 154,000 |
| Net income | 359,000 | 788,000 | 1,236,000 | 1,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,495,000 | 8,924,000 | 9,372,000 | 9,801,000 |
| Total capital | 9,110,000 | 9,565,000 | 10,010,000 | 10,460,000 |
| Risk-weighted assets | 48,956,000 | 50,961,000 | 50,734,000 | 52,411,000 |