Call reports 2014
UNION BANK & TRUST COMPANY — 2014
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,938,000 | 81,051,000 | 83,669,000 | 81,520,000 |
| Total loans | 56,970,000 | 59,457,000 | 58,684,000 | 57,460,000 |
| Allowance for loan losses | 969,000 | 952,000 | 955,000 | 1,018,000 |
| Securities available for sale | 15,570,000 | 13,823,000 | 14,729,000 | 17,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,680,000 | 71,314,000 | 73,469,000 | 70,971,000 |
| Interest-bearing deposits | 57,524,000 | 58,159,000 | 59,754,000 | 58,035,000 |
| Noninterest-bearing deposits | 13,156,000 | 13,155,000 | 13,715,000 | 12,936,000 |
| Equity capital | 9,033,000 | 9,450,000 | 9,817,000 | 10,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,051,000 | 2,132,000 | 3,198,000 | 4,229,000 |
| Interest expense | 53,000 | 108,000 | 164,000 | 216,000 |
| Net interest income | 998,000 | 2,024,000 | 3,034,000 | 4,013,000 |
| Noninterest income | 184,000 | 264,000 | 334,000 | 433,000 |
| Noninterest expense | 560,000 | 1,133,000 | 1,709,000 | 2,231,000 |
| Provision for loan losses | 72,000 | 157,000 | 208,000 | 283,000 |
| Pretax income | 550,000 | 1,080,000 | 1,533,000 | 1,949,000 |
| Income tax | 23,000 | 59,000 | 90,000 | 118,000 |
| Net income | 527,000 | 1,021,000 | 1,443,000 | 1,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,927,000 | 9,422,000 | 9,844,000 | 10,232,000 |
| Total capital | 9,588,000 | 10,099,000 | 10,525,000 | 10,891,000 |
| Risk-weighted assets | 52,550,000 | 53,852,000 | 54,168,000 | 52,370,000 |