Call reports 2019
UNION BANK AND TRUST COMPANY — 2019
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 158,096,000 | 159,167,000 | 168,153,000 | 153,840,000 |
| Total loans | 45,922,000 | 45,486,000 | 47,648,000 | 51,407,000 |
| Allowance for loan losses | 720,000 | 643,000 | 644,000 | 643,000 |
| Securities available for sale | 38,884,000 | 39,685,000 | 37,537,000 | 35,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,752,000 | 144,721,000 | 153,386,000 | 139,160,000 |
| Interest-bearing deposits | 24,995,000 | 25,895,000 | 28,009,000 | 25,594,000 |
| Noninterest-bearing deposits | 119,757,000 | 118,826,000 | 125,377,000 | 113,566,000 |
| Equity capital | 12,877,000 | 13,699,000 | 14,082,000 | 14,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,159,000 | 3,381,000 | 4,522,000 |
| Interest expense | 25,000 | 47,000 | 78,000 | 105,000 |
| Net interest income | 1,038,000 | 2,112,000 | 3,303,000 | 4,417,000 |
| Noninterest income | 842,000 | 1,652,000 | 2,508,000 | 3,517,000 |
| Noninterest expense | 1,526,000 | 2,725,000 | 4,287,000 | 6,267,000 |
| Provision for loan losses | 0 | -75,000 | -75,000 | -75,000 |
| Pretax income | 354,000 | 1,113,000 | 1,598,000 | 1,741,000 |
| Income tax | 112,000 | 350,000 | 458,000 | 502,000 |
| Net income | 242,000 | 763,000 | 1,140,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,947,000 | 13,467,000 | 13,831,000 | 13,931,000 |
| Total capital | 13,667,000 | 14,110,000 | 14,475,000 | 14,574,000 |
| Risk-weighted assets | 63,911,000 | 58,890,000 | 64,133,000 | 65,423,000 |