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 | 73,369,000 | 69,338,000 | 75,345,000 | 76,183,000 |
| Total loans | 23,183,000 | 24,284,000 | 27,395,000 | 26,936,000 |
| Allowance for loan losses | 447,000 | 328,000 | 353,000 | 383,000 |
| Securities available for sale | 22,290,000 | 20,757,000 | 18,403,000 | 17,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,089,000 | 58,992,000 | 64,836,000 | 65,871,000 |
| Interest-bearing deposits | 29,185,000 | 26,763,000 | 27,157,000 | 28,615,000 |
| Noninterest-bearing deposits | 33,904,000 | 32,229,000 | 37,679,000 | 37,256,000 |
| Equity capital | 10,101,000 | 10,137,000 | 10,186,000 | 10,191,000 |
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 | 552,000 | 1,073,000 | 1,584,000 | 2,098,000 |
| Interest expense | 63,000 | 110,000 | 149,000 | 186,000 |
| Net interest income | 489,000 | 963,000 | 1,435,000 | 1,912,000 |
| Noninterest income | 685,000 | 1,342,000 | 1,995,000 | 2,609,000 |
| Noninterest expense | 1,052,000 | 2,096,000 | 3,118,000 | 4,060,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 97,000 | 159,000 | 237,000 | 361,000 |
| Income tax | 40,000 | 62,000 | 94,000 | 148,000 |
| Net income | 57,000 | 97,000 | 143,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,808,000 | 9,847,000 | 9,894,000 | 9,953,000 |
| Total capital | 10,189,000 | 10,175,000 | 10,247,000 | 10,336,000 |
| Risk-weighted assets | 30,382,000 | 30,933,000 | 33,903,000 | 32,623,000 |