Call reports 2020
UNION BANK AND TRUST COMPANY — 2020
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 167,875,000 | 173,232,000 | 184,685,000 | 175,031,000 |
| Total loans | 52,230,000 | 61,359,000 | 66,062,000 | 65,549,000 |
| Allowance for loan losses | 645,000 | 656,000 | 681,000 | 711,000 |
| Securities available for sale | 33,580,000 | 30,562,000 | 31,786,000 | 33,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,739,000 | 157,608,000 | 168,964,000 | 159,328,000 |
| Interest-bearing deposits | 28,409,000 | 28,881,000 | 28,909,000 | 29,183,000 |
| Noninterest-bearing deposits | 124,330,000 | 128,727,000 | 140,055,000 | 130,145,000 |
| Equity capital | 14,692,000 | 15,074,000 | 15,069,000 | 15,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,485,000 | 3,505,000 | 4,595,000 |
| Interest expense | 26,000 | 41,000 | 55,000 | 63,000 |
| Net interest income | 1,080,000 | 2,444,000 | 3,450,000 | 4,532,000 |
| Noninterest income | 824,000 | 1,680,000 | 2,413,000 | 3,166,000 |
| Noninterest expense | 1,566,000 | 3,171,000 | 4,830,000 | 6,390,000 |
| Provision for loan losses | 0 | 10,000 | 35,000 | 65,000 |
| Pretax income | 338,000 | 943,000 | 998,000 | 1,243,000 |
| Income tax | 63,000 | 251,000 | 268,000 | 344,000 |
| Net income | 275,000 | 692,000 | 730,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,957,000 | 14,376,000 | 14,412,000 | 14,581,000 |
| Total capital | 14,602,000 | 15,032,000 | — | 15,292,000 |
| Risk-weighted assets | 63,810,000 | 62,491,000 | — | 74,827,000 |