Call reports 2014
UNION BANK OF SPARTA — 2014
What UNION BANK OF SPARTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 114,746,000 | 111,122,000 | 113,767,000 | 115,706,000 |
| Total loans | 75,090,000 | 78,053,000 | 76,108,000 | 75,676,000 |
| Allowance for loan losses | 614,000 | 632,000 | 633,000 | 634,000 |
| Securities available for sale | 23,243,000 | 23,589,000 | 23,140,000 | 22,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,845,000 | 92,937,000 | 95,258,000 | 97,280,000 |
| Interest-bearing deposits | 83,594,000 | 77,558,000 | 80,131,000 | 82,604,000 |
| Noninterest-bearing deposits | 13,251,000 | 15,379,000 | 15,127,000 | 14,676,000 |
| Equity capital | 17,745,000 | 17,938,000 | 18,224,000 | 18,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,257,000 | 3,391,000 | 4,570,000 |
| Interest expense | 181,000 | 353,000 | 538,000 | 720,000 |
| Net interest income | 949,000 | 1,904,000 | 2,853,000 | 3,850,000 |
| Noninterest income | 93,000 | 203,000 | 300,000 | 421,000 |
| Noninterest expense | 654,000 | 1,269,000 | 1,898,000 | 2,606,000 |
| Provision for loan losses | 80,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 308,000 | 758,000 | 1,175,000 | 1,585,000 |
| Income tax | 59,000 | 178,000 | 309,000 | 424,000 |
| Net income | 249,000 | 580,000 | 866,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,386,000 | 17,556,000 | 17,843,000 | 17,977,000 |
| Total capital | 18,000,000 | 18,188,000 | 18,476,000 | 18,611,000 |
| Risk-weighted assets | 87,477,000 | 89,136,000 | 88,342,000 | 88,161,000 |