Call reports 2023
UNION BANK AND TRUST COMPANY — 2023
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 171,932,000 | 172,936,000 | 180,379,000 | 182,483,000 |
| Total loans | 90,990,000 | 96,753,000 | 97,932,000 | 96,161,000 |
| Allowance for loan losses | 1,022,000 | 1,067,000 | 1,112,000 | 1,757,000 |
| Securities available for sale | 53,456,000 | 52,449,000 | 51,680,000 | 51,687,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,858,000 | 151,077,000 | 164,594,000 | 165,201,000 |
| Interest-bearing deposits | 27,807,000 | 27,776,000 | 25,573,000 | 27,280,000 |
| Noninterest-bearing deposits | 129,051,000 | 123,301,000 | 139,021,000 | 137,921,000 |
| Equity capital | 14,372,000 | 14,590,000 | 14,906,000 | 16,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,793,000 | 3,543,000 | 5,467,000 | 7,436,000 |
| Interest expense | 17,000 | 79,000 | 154,000 | 186,000 |
| Net interest income | 1,776,000 | 3,464,000 | 5,313,000 | 7,250,000 |
| Noninterest income | 886,000 | 1,765,000 | 2,682,000 | 3,655,000 |
| Noninterest expense | 1,595,000 | 3,449,000 | 5,171,000 | 7,015,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 780,000 |
| Pretax income | 1,022,000 | 1,690,000 | 2,689,000 | 3,110,000 |
| Income tax | 327,000 | 534,000 | 840,000 | 972,000 |
| Net income | 695,000 | 1,156,000 | 1,849,000 | 2,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,981,000 | 17,423,000 | 18,090,000 | 18,389,000 |
| Total capital | 18,003,000 | 18,490,000 | 19,202,000 | 19,758,000 |
| Risk-weighted assets | 102,221,000 | 107,467,000 | 109,522,000 | 109,169,000 |