Call reports 2016
UNION BANK OF SPARTA — 2016
What UNION BANK OF SPARTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 122,039,000 | 119,094,000 | 118,282,000 | 131,022,000 |
| Total loans | 85,796,000 | 82,389,000 | 84,348,000 | 83,890,000 |
| Allowance for loan losses | 710,000 | 680,000 | 673,000 | 64,000 |
| Securities available for sale | 21,461,000 | 23,019,000 | 23,115,000 | 22,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,593,000 | 99,442,000 | 98,309,000 | 108,808,000 |
| Interest-bearing deposits | 86,726,000 | 83,278,000 | 79,895,000 | 90,405,000 |
| Noninterest-bearing deposits | 15,867,000 | 16,164,000 | 18,414,000 | 18,403,000 |
| Equity capital | 19,225,000 | 19,379,000 | 19,663,000 | 21,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,315,000 | 3,464,000 | 611,000 |
| Interest expense | 185,000 | 369,000 | 551,000 | 96,000 |
| Net interest income | 987,000 | 1,946,000 | 2,913,000 | 515,000 |
| Noninterest income | 121,000 | 242,000 | 390,000 | 80,000 |
| Noninterest expense | 615,000 | 1,305,000 | 2,005,000 | 311,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 0 |
| Pretax income | 443,000 | 833,000 | 1,248,000 | 284,000 |
| Income tax | 107,000 | 225,000 | 312,000 | 8,000 |
| Net income | 336,000 | 608,000 | 936,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,855,000 | 18,970,000 | 19,253,000 | 17,383,000 |
| Total capital | 19,565,000 | 19,650,000 | 19,926,000 | 17,447,000 |
| Risk-weighted assets | 100,996,000 | 97,053,000 | 99,823,000 | 103,408,000 |