Call reports 2019
UNION BANK & TRUST COMPANY — 2019
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 80,709,000 | 81,105,000 | 83,505,000 | 85,796,000 |
| Total loans | 60,789,000 | 59,835,000 | 59,498,000 | 59,862,000 |
| Allowance for loan losses | 1,045,000 | 1,067,000 | 1,067,000 | 1,020,000 |
| Securities available for sale | 13,849,000 | 13,663,000 | 14,467,000 | 16,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,929,000 | 69,534,000 | 71,317,000 | 75,100,000 |
| Interest-bearing deposits | 53,046,000 | 53,203,000 | 54,019,000 | 56,934,000 |
| Noninterest-bearing deposits | 16,883,000 | 16,331,000 | 17,298,000 | 18,166,000 |
| Equity capital | 10,540,000 | 11,281,000 | 11,752,000 | 10,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,183,000 | 2,387,000 | 3,630,000 | 4,885,000 |
| Interest expense | 95,000 | 196,000 | 303,000 | 415,000 |
| Net interest income | 1,088,000 | 2,191,000 | 3,327,000 | 4,470,000 |
| Noninterest income | 78,000 | 141,000 | 120,000 | 169,000 |
| Noninterest expense | 583,000 | 1,141,000 | 1,714,000 | 2,368,000 |
| Provision for loan losses | 73,000 | 187,000 | 256,000 | 306,000 |
| Pretax income | 483,000 | 977,000 | 1,450,000 | 1,938,000 |
| Income tax | 31,000 | 63,000 | 109,000 | 126,000 |
| Net income | 452,000 | 914,000 | 1,341,000 | 1,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,705,000 | 11,167,000 | 11,595,000 | 10,265,000 |
| Total capital | 11,371,000 | 11,827,000 | 12,253,000 | 10,923,000 |
| Risk-weighted assets | 52,884,000 | 52,363,000 | 52,199,000 | 52,261,000 |