Call reports 2018
UNION BANK OF SPARTA — 2018
What UNION BANK OF SPARTA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 134,975,000 | 135,937,000 | 139,314,000 | 143,842,000 |
| Total loans | 100,139,000 | 102,462,000 | 99,973,000 | 102,253,000 |
| Allowance for loan losses | 462,000 | 536,000 | 610,000 | 603,000 |
| Securities available for sale | 18,920,000 | 18,073,000 | 17,896,000 | 18,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,051,000 | 111,125,000 | 113,969,000 | 118,173,000 |
| Interest-bearing deposits | 93,063,000 | 92,924,000 | 94,454,000 | 97,171,000 |
| Noninterest-bearing deposits | 17,988,000 | 18,201,000 | 19,515,000 | 21,002,000 |
| Equity capital | 23,677,000 | 24,093,000 | 24,384,000 | 24,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,731,000 | 4,147,000 | 5,530,000 |
| Interest expense | 237,000 | 497,000 | 765,000 | 1,045,000 |
| Net interest income | 1,140,000 | 2,234,000 | 3,382,000 | 4,485,000 |
| Noninterest income | 114,000 | 222,000 | 346,000 | 441,000 |
| Noninterest expense | 759,000 | 1,420,000 | 2,017,000 | 2,668,000 |
| Provision for loan losses | 72,000 | 145,000 | 217,000 | 288,000 |
| Pretax income | 423,000 | 891,000 | 1,494,000 | 1,970,000 |
| Income tax | 118,000 | 194,000 | 335,000 | 445,000 |
| Net income | 305,000 | 697,000 | 1,159,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,035,000 | 19,452,000 | 19,938,000 | 20,351,000 |
| Total capital | 19,497,000 | 19,988,000 | 20,548,000 | 20,954,000 |
| Risk-weighted assets | 104,431,000 | 109,672,000 | 105,874,000 | 103,086,000 |