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 | 81,420,000 | 82,442,000 | 83,027,000 | 83,625,000 |
| Total loans | 57,875,000 | 58,082,000 | 58,391,000 | 58,701,000 |
| Allowance for loan losses | 1,011,000 | 960,000 | 965,000 | 944,000 |
| Securities available for sale | 12,787,000 | 14,332,000 | 13,560,000 | 16,160,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,209,000 | 71,700,000 | 71,842,000 | 72,513,000 |
| Interest-bearing deposits | 56,527,000 | 56,834,000 | 57,255,000 | 57,249,000 |
| Noninterest-bearing deposits | 14,682,000 | 14,866,000 | 14,587,000 | 15,264,000 |
| Equity capital | 9,917,000 | 10,401,000 | 10,807,000 | 10,786,000 |
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 | 1,047,000 | 2,110,000 | 3,198,000 | 4,273,000 |
| Interest expense | 51,000 | 102,000 | 154,000 | 206,000 |
| Net interest income | 996,000 | 2,008,000 | 3,044,000 | 4,067,000 |
| Noninterest income | 99,000 | 181,000 | 284,000 | 325,000 |
| Noninterest expense | 558,000 | 1,144,000 | 1,766,000 | 2,321,000 |
| Provision for loan losses | 73,000 | 151,000 | 229,000 | 332,000 |
| Pretax income | 464,000 | 928,000 | 1,367,000 | 1,773,000 |
| Income tax | 33,000 | 66,000 | 89,000 | 115,000 |
| Net income | 431,000 | 862,000 | 1,278,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,753,000 | 10,184,000 | 10,600,000 | 10,980,000 |
| Total capital | 10,412,000 | 10,846,000 | 11,267,000 | 11,656,000 |
| Risk-weighted assets | 52,340,000 | 52,638,000 | 53,024,000 | 53,825,000 |