Call reports 2012
UNION BANK OF SPARTA — 2012
What UNION BANK OF SPARTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,890,000 | 101,358,000 | 107,440,000 | 112,868,000 |
| Total loans | 67,064,000 | 70,543,000 | 75,864,000 | 79,743,000 |
| Allowance for loan losses | 378,000 | 728,000 | 717,000 | 735,000 |
| Securities available for sale | 25,185,000 | 23,936,000 | 23,495,000 | 23,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,835,000 | 84,855,000 | 90,445,000 | 95,551,000 |
| Interest-bearing deposits | 67,241,000 | 70,601,000 | 74,871,000 | 79,984,000 |
| Noninterest-bearing deposits | 13,594,000 | 14,254,000 | 15,574,000 | 15,567,000 |
| Equity capital | 15,991,000 | 16,015,000 | 16,413,000 | 16,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,119,000 | 2,261,000 | 3,450,000 | 4,733,000 |
| Interest expense | 172,000 | 339,000 | 521,000 | 698,000 |
| Net interest income | 947,000 | 1,922,000 | 2,929,000 | 4,035,000 |
| Noninterest income | 112,000 | 168,000 | 291,000 | 510,000 |
| Noninterest expense | 597,000 | 1,152,000 | 1,739,000 | 2,418,000 |
| Provision for loan losses | 0 | 350,000 | 350,000 | 350,000 |
| Pretax income | 462,000 | 684,000 | 1,229,000 | 1,877,000 |
| Income tax | 103,000 | 151,000 | 271,000 | 507,000 |
| Net income | 359,000 | 533,000 | 958,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,214,000 | 15,242,000 | 15,663,000 | 15,929,000 |
| Total capital | 15,592,000 | 15,970,000 | 16,380,000 | 16,664,000 |
| Risk-weighted assets | 75,047,000 | 77,235,000 | 84,190,000 | 88,451,000 |