Call reports 2025
UNION BANK AND TRUST COMPANY — 2025
What UNION BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 182,042,000 | 200,981,000 | 250,145,000 | 239,444,000 |
| Total loans | 109,397,000 | 107,844,000 | 104,672,000 | 104,923,000 |
| Allowance for loan losses | 2,027,000 | 2,117,000 | 1,803,000 | 1,977,000 |
| Securities available for sale | 51,396,000 | 50,718,000 | 50,359,000 | 58,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,935,000 | 179,935,000 | 227,982,000 | 216,459,000 |
| Interest-bearing deposits | 22,634,000 | 24,032,000 | 51,529,000 | 53,706,000 |
| Noninterest-bearing deposits | 139,301,000 | 155,903,000 | 176,453,000 | 162,753,000 |
| Equity capital | 18,416,000 | 19,411,000 | 20,125,000 | 21,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 4,419,000 | 6,899,000 | 9,427,000 |
| Interest expense | 161,000 | 428,000 | 665,000 | 902,000 |
| Net interest income | 1,827,000 | 3,991,000 | 6,234,000 | 8,525,000 |
| Noninterest income | 1,175,000 | 2,268,000 | 3,403,000 | 4,565,000 |
| Noninterest expense | 2,183,000 | 4,429,000 | 6,953,000 | 9,191,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 485,000 |
| Pretax income | 729,000 | 1,650,000 | 2,414,000 | 3,414,000 |
| Income tax | 226,000 | 511,000 | 748,000 | 1,058,000 |
| Net income | 503,000 | 1,139,000 | 1,666,000 | 2,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,600,000 | 20,227,000 | 20,756,000 | 21,447,000 |
| Total capital | 21,192,000 | 21,725,000 | 22,302,000 | 23,010,000 |
| Risk-weighted assets | 126,933,000 | 119,288,000 | 123,477,000 | 124,677,000 |