Call reports 2013
UNION BANK AND TRUST COMPANY — 2013
What UNION BANK AND 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 | 78,037,000 | 79,304,000 | 90,608,000 | 92,585,000 |
| Total loans | 27,267,000 | 26,987,000 | 27,052,000 | 30,288,000 |
| Allowance for loan losses | 422,000 | 459,000 | 482,000 | 505,000 |
| Securities available for sale | 17,044,000 | 17,127,000 | 17,641,000 | 23,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,768,000 | 69,135,000 | 80,275,000 | 82,505,000 |
| Interest-bearing deposits | 25,329,000 | 26,483,000 | 28,904,000 | 24,801,000 |
| Noninterest-bearing deposits | 42,439,000 | 42,652,000 | 51,371,000 | 57,704,000 |
| Equity capital | 10,101,000 | 9,968,000 | 10,042,000 | 10,032,000 |
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 | 485,000 | 962,000 | 1,457,000 | 2,004,000 |
| Interest expense | 32,000 | 61,000 | 89,000 | 118,000 |
| Net interest income | 453,000 | 901,000 | 1,368,000 | 1,886,000 |
| Noninterest income | 663,000 | 1,352,000 | 1,988,000 | 2,604,000 |
| Noninterest expense | 1,068,000 | 2,110,000 | 3,104,000 | 4,052,000 |
| Provision for loan losses | 38,000 | 75,000 | 97,000 | 120,000 |
| Pretax income | 10,000 | 68,000 | 155,000 | 318,000 |
| Income tax | -20,000 | 4,000 | 38,000 | 105,000 |
| Net income | 30,000 | 64,000 | 117,000 | 213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,892,000 | 9,926,000 | 9,979,000 | 10,075,000 |
| Total capital | 10,303,000 | 10,356,000 | 10,422,000 | 10,571,000 |
| Risk-weighted assets | 32,884,000 | 34,343,000 | 35,432,000 | 39,709,000 |