Call reports 2013
UNION BANK & TRUST COMPANY — 2013
What UNION BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 190,976,000 | 206,877,000 | 187,501,000 | 191,268,000 |
| Total loans | 116,534,000 | 118,266,000 | 118,492,000 | 118,159,000 |
| Allowance for loan losses | 2,547,000 | 2,561,000 | 2,396,000 | 2,411,000 |
| Securities available for sale | 53,540,000 | 51,667,000 | 48,141,000 | 49,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,072,000 | 177,385,000 | 160,723,000 | 166,943,000 |
| Interest-bearing deposits | 130,768,000 | 130,761,000 | 127,645,000 | 137,258,000 |
| Noninterest-bearing deposits | 28,304,000 | 46,624,000 | 33,078,000 | 29,685,000 |
| Equity capital | 20,090,000 | 19,549,000 | 17,505,000 | 16,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,760,000 | 5,665,000 | 7,482,000 |
| Interest expense | 267,000 | 514,000 | 727,000 | 931,000 |
| Net interest income | 1,578,000 | 3,246,000 | 4,938,000 | 6,551,000 |
| Noninterest income | 430,000 | 830,000 | 1,277,000 | 1,688,000 |
| Noninterest expense | 1,536,000 | 3,092,000 | 4,663,000 | 6,277,000 |
| Provision for loan losses | 85,000 | 145,000 | 178,000 | 223,000 |
| Pretax income | 387,000 | 934,000 | 1,469,000 | 1,834,000 |
| Income tax | 99,000 | 267,000 | 440,000 | 1,654,000 |
| Net income | 288,000 | 667,000 | 1,029,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,414,000 | 19,581,000 | 17,754,000 | 16,885,000 |
| Total capital | 21,074,000 | 21,332,000 | 19,500,000 | 18,651,000 |
| Risk-weighted assets | 131,886,000 | 139,230,000 | 139,011,000 | 140,618,000 |