Call reports 2017
UNION BANK OF SPARTA — 2017
What UNION BANK OF SPARTA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 139,815,000 | 133,657,000 | 129,900,000 | 136,330,000 |
| Total loans | 93,599,000 | 95,300,000 | 95,671,000 | 99,539,000 |
| Allowance for loan losses | 177,000 | 248,000 | 316,000 | 389,000 |
| Securities available for sale | 22,793,000 | 21,772,000 | 21,080,000 | 19,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,710,000 | 110,483,000 | 104,844,000 | 112,552,000 |
| Interest-bearing deposits | 93,651,000 | 91,294,000 | 86,678,000 | 94,808,000 |
| Noninterest-bearing deposits | 23,059,000 | 19,189,000 | 18,166,000 | 17,744,000 |
| Equity capital | 22,400,000 | 22,857,000 | 23,178,000 | 23,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,224,000 | 2,514,000 | 3,824,000 | 5,139,000 |
| Interest expense | 132,000 | 311,000 | 503,000 | 731,000 |
| Net interest income | 1,092,000 | 2,203,000 | 3,321,000 | 4,408,000 |
| Noninterest income | 171,000 | 254,000 | 378,000 | 485,000 |
| Noninterest expense | 771,000 | 1,396,000 | 2,146,000 | 2,902,000 |
| Provision for loan losses | 111,000 | 184,000 | 256,000 | 329,000 |
| Pretax income | 381,000 | 862,000 | 1,282,000 | 1,647,000 |
| Income tax | 104,000 | 282,000 | 378,000 | 316,000 |
| Net income | 277,000 | 580,000 | 904,000 | 1,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,585,000 | 18,161,000 | 18,509,000 | 18,955,000 |
| Total capital | 17,762,000 | 18,409,000 | 18,825,000 | 19,344,000 |
| Risk-weighted assets | 104,598,000 | 92,098,000 | 91,250,000 | 103,240,000 |