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 | 82,477,000 | 82,919,000 | 84,280,000 | 82,395,000 |
| Total loans | 57,238,000 | 58,219,000 | 58,466,000 | 57,981,000 |
| Allowance for loan losses | 1,044,000 | 1,103,000 | 1,130,000 | 1,024,000 |
| Securities available for sale | 14,848,000 | 13,895,000 | 13,414,000 | 12,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,527,000 | 72,546,000 | 73,331,000 | 71,343,000 |
| Interest-bearing deposits | 59,154,000 | 57,804,000 | 57,767,000 | 56,490,000 |
| Noninterest-bearing deposits | 13,373,000 | 14,742,000 | 15,564,000 | 14,853,000 |
| Equity capital | 9,678,000 | 10,053,000 | 10,542,000 | 10,802,000 |
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 | 1,153,000 | 2,243,000 | 3,340,000 | 4,365,000 |
| Interest expense | 50,000 | 104,000 | 157,000 | 209,000 |
| Net interest income | 1,103,000 | 2,139,000 | 3,183,000 | 4,156,000 |
| Noninterest income | 102,000 | 175,000 | 254,000 | 385,000 |
| Noninterest expense | 578,000 | 1,125,000 | 1,694,000 | 2,304,000 |
| Provision for loan losses | 32,000 | 104,000 | 179,000 | 282,000 |
| Pretax income | 633,000 | 1,123,000 | 1,602,000 | 1,993,000 |
| Income tax | 46,000 | 81,000 | 115,000 | 143,000 |
| Net income | 587,000 | 1,042,000 | 1,487,000 | 1,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,529,000 | 9,984,000 | 10,430,000 | 10,792,000 |
| Total capital | 10,162,000 | 10,638,000 | 11,089,000 | 11,448,000 |
| Risk-weighted assets | 50,221,000 | 51,837,000 | 52,240,000 | 52,108,000 |