Call reports 2013
UNION BANK OF SPARTA — 2013
What UNION BANK OF SPARTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,702,000 | 111,163,000 | 111,429,000 | 116,660,000 |
| Total loans | 77,741,000 | 77,731,000 | 78,181,000 | 76,284,000 |
| Allowance for loan losses | 589,000 | 760,000 | 643,000 | 648,000 |
| Securities available for sale | 23,071,000 | 23,219,000 | 22,868,000 | 22,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,246,000 | 93,837,000 | 93,985,000 | 99,151,000 |
| Interest-bearing deposits | 79,899,000 | 79,713,000 | 78,349,000 | 83,412,000 |
| Noninterest-bearing deposits | 14,347,000 | 14,124,000 | 15,636,000 | 15,739,000 |
| Equity capital | 17,093,000 | 17,023,000 | 17,232,000 | 17,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,469,000 | 3,692,000 | 4,867,000 |
| Interest expense | 175,000 | 344,000 | 528,000 | 710,000 |
| Net interest income | 1,065,000 | 2,125,000 | 3,164,000 | 4,157,000 |
| Noninterest income | 111,000 | 282,000 | 365,000 | 499,000 |
| Noninterest expense | 630,000 | 1,208,000 | 1,804,000 | 2,403,000 |
| Provision for loan losses | 0 | 170,000 | 170,000 | 170,000 |
| Pretax income | 546,000 | 1,029,000 | 1,555,000 | 2,083,000 |
| Income tax | 112,000 | 263,000 | 430,000 | 554,000 |
| Net income | 434,000 | 766,000 | 1,125,000 | 1,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,363,000 | 16,535,000 | 16,893,000 | 17,137,000 |
| Total capital | 16,952,000 | 17,295,000 | 17,536,000 | 17,785,000 |
| Risk-weighted assets | 87,908,000 | 88,458,000 | 88,968,000 | 88,506,000 |