Call reports 2015
UNION BANK OF SPARTA — 2015
What UNION BANK OF SPARTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 116,612,000 | 115,787,000 | 117,857,000 | 122,671,000 |
| Total loans | 83,072,000 | 83,645,000 | 84,109,000 | 87,259,000 |
| Allowance for loan losses | 705,000 | 681,000 | 733,000 | 659,000 |
| Securities available for sale | 22,505,000 | 22,888,000 | 22,369,000 | 21,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,787,000 | 96,913,000 | 98,828,000 | 103,661,000 |
| Interest-bearing deposits | 82,548,000 | 81,857,000 | 82,052,000 | 86,627,000 |
| Noninterest-bearing deposits | 15,239,000 | 15,056,000 | 16,776,000 | 17,034,000 |
| Equity capital | 18,693,000 | 18,718,000 | 18,761,000 | 18,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,133,000 | 2,310,000 | 3,521,000 | 4,729,000 |
| Interest expense | 179,000 | 363,000 | 557,000 | 745,000 |
| Net interest income | 954,000 | 1,947,000 | 2,964,000 | 3,984,000 |
| Noninterest income | 102,000 | 219,000 | 338,000 | 529,000 |
| Noninterest expense | 604,000 | 1,266,000 | 1,928,000 | 2,791,000 |
| Provision for loan losses | 70,000 | 70,000 | 132,000 | 205,000 |
| Pretax income | 382,000 | 830,000 | 1,242,000 | 1,536,000 |
| Income tax | 96,000 | 202,000 | 336,000 | 385,000 |
| Net income | 286,000 | 628,000 | 906,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,263,000 | 18,445,000 | 18,440,000 | 18,529,000 |
| Total capital | 18,968,000 | 19,126,000 | 19,173,000 | 19,188,000 |
| Risk-weighted assets | 94,932,000 | 95,756,000 | 98,165,000 | 100,353,000 |