Call reports 2016
UNION BANK AND TRUST COMPANY — 2016
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 115,400,000 | 121,871,000 | 132,636,000 | 145,262,000 |
| Total loans | 44,273,000 | 45,945,000 | 44,169,000 | 42,841,000 |
| Allowance for loan losses | 426,000 | 455,000 | 479,000 | 645,000 |
| Securities available for sale | 26,547,000 | 24,668,000 | 21,652,000 | 28,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,693,000 | 107,956,000 | 118,548,000 | 133,404,000 |
| Interest-bearing deposits | 31,364,000 | 33,191,000 | 32,654,000 | 32,276,000 |
| Noninterest-bearing deposits | 72,329,000 | 74,765,000 | 85,894,000 | 101,128,000 |
| Equity capital | 10,824,000 | 11,062,000 | 11,224,000 | 11,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 720,000 | 1,491,000 | 2,262,000 | 3,042,000 |
| Interest expense | 31,000 | 58,000 | 83,000 | 104,000 |
| Net interest income | 689,000 | 1,433,000 | 2,179,000 | 2,938,000 |
| Noninterest income | 702,000 | 1,407,000 | 2,163,000 | 2,986,000 |
| Noninterest expense | 1,150,000 | 2,312,000 | 3,444,000 | 4,708,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 217,000 | 479,000 | 824,000 | 1,117,000 |
| Income tax | 89,000 | 196,000 | 338,000 | 458,000 |
| Net income | 128,000 | 283,000 | 486,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,716,000 | 10,847,000 | 11,051,000 | 11,223,000 |
| Total capital | 11,142,000 | 11,302,000 | 11,530,000 | 11,868,000 |
| Risk-weighted assets | 52,029,000 | 55,658,000 | 51,938,000 | 56,175,000 |