Call reports 2025
UNION BANK & TRUST COMPANY — 2025
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 96,046,000 | 97,047,000 | 94,503,000 | 95,594,000 |
| Total loans | 66,654,000 | 66,812,000 | 69,561,000 | 70,046,000 |
| Allowance for loan losses | 1,171,000 | 1,287,000 | 1,462,000 | 1,334,000 |
| Securities available for sale | 22,870,000 | 21,414,000 | 17,818,000 | 17,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,928,000 | 84,265,000 | 81,179,000 | 81,462,000 |
| Interest-bearing deposits | 57,113,000 | 57,488,000 | 55,383,000 | 56,943,000 |
| Noninterest-bearing deposits | 26,815,000 | 26,777,000 | 25,796,000 | 24,519,000 |
| Equity capital | 11,549,000 | 12,168,000 | 12,740,000 | 13,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,902,000 | 4,407,000 | 5,904,000 |
| Interest expense | 219,000 | 422,000 | 626,000 | 828,000 |
| Net interest income | 1,197,000 | 2,480,000 | 3,781,000 | 5,076,000 |
| Noninterest income | 94,000 | 147,000 | 202,000 | 257,000 |
| Noninterest expense | 728,000 | 1,489,000 | 2,267,000 | 3,096,000 |
| Provision for loan losses | 101,000 | 211,000 | 408,000 | 272,000 |
| Pretax income | 462,000 | 927,000 | 1,308,000 | 1,933,000 |
| Income tax | 30,000 | 60,000 | 85,000 | 43,000 |
| Net income | 432,000 | 867,000 | 1,223,000 | 1,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,320,000 | 12,818,000 | 13,174,000 | 13,862,000 |