Call reports 2015
UNION BANK AND TRUST COMPANY — 2015
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 120,824,000 | 130,691,000 | 143,120,000 | 124,753,000 |
| Total loans | 36,867,000 | 38,596,000 | 41,324,000 | 42,007,000 |
| Allowance for loan losses | 281,000 | 290,000 | 294,000 | 397,000 |
| Securities available for sale | 23,870,000 | 26,212,000 | 28,619,000 | 28,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,282,000 | 119,265,000 | 131,311,000 | 113,273,000 |
| Interest-bearing deposits | 25,880,000 | 23,572,000 | 31,098,000 | 34,711,000 |
| Noninterest-bearing deposits | 81,402,000 | 95,693,000 | 100,213,000 | 78,562,000 |
| Equity capital | 10,489,000 | 10,464,000 | 10,632,000 | 10,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,259,000 | 1,961,000 | 2,690,000 |
| Interest expense | 20,000 | 38,000 | 58,000 | 80,000 |
| Net interest income | 596,000 | 1,221,000 | 1,903,000 | 2,610,000 |
| Noninterest income | 664,000 | 1,329,000 | 1,989,000 | 2,645,000 |
| Noninterest expense | 1,035,000 | 2,129,000 | 3,225,000 | 4,360,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 225,000 | 421,000 | 668,000 | 796,000 |
| Income tax | 108,000 | 234,000 | 381,000 | 326,000 |
| Net income | 117,000 | 187,000 | 287,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,376,000 | 10,429,000 | 10,528,000 | 10,701,000 |
| Total capital | 10,657,000 | 10,719,000 | 10,822,000 | 11,098,000 |
| Risk-weighted assets | 46,801,000 | 48,512,000 | 50,909,000 | 49,470,000 |