Call reports 2012
UNION BANK AND TRUST COMPANY — 2012
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 117,691,000 | 120,589,000 | 120,764,000 | 122,913,000 |
| Total loans | 69,876,000 | 71,145,000 | 71,957,000 | 73,935,000 |
| Allowance for loan losses | 1,179,000 | 1,062,000 | 1,141,000 | 1,182,000 |
| Securities available for sale | 27,133,000 | 36,006,000 | 31,761,000 | 30,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,371,000 | 108,796,000 | 109,504,000 | 111,925,000 |
| Interest-bearing deposits | 76,533,000 | 81,298,000 | 80,466,000 | 82,234,000 |
| Noninterest-bearing deposits | 29,838,000 | 27,498,000 | 29,038,000 | 29,691,000 |
| Equity capital | 10,276,000 | 10,263,000 | 10,455,000 | 9,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,137,000 | 2,298,000 | 3,516,000 | 4,577,000 |
| Interest expense | 99,000 | 208,000 | 323,000 | 440,000 |
| Net interest income | 1,038,000 | 2,090,000 | 3,193,000 | 4,137,000 |
| Noninterest income | 264,000 | 460,000 | 669,000 | 740,000 |
| Noninterest expense | 1,147,000 | 2,278,000 | 3,405,000 | 4,405,000 |
| Provision for loan losses | 83,000 | 470,000 | 545,000 | 620,000 |
| Pretax income | 106,000 | -163,000 | 253,000 | 297,000 |
| Income tax | 7,000 | 0 | 42,000 | 292,000 |
| Net income | 99,000 | -163,000 | 211,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,584,000 | 9,450,000 | 9,824,000 | 9,600,000 |
| Total capital | 10,837,000 | 10,727,000 | 10,943,000 | 10,742,000 |
| Risk-weighted assets | 88,803,000 | 90,159,000 | 87,956,000 | 89,754,000 |