Call reports 2019
UNION BANK OF SPARTA — 2019
What UNION BANK OF SPARTA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 141,014,000 | 141,529,000 | 143,285,000 | 160,133,000 |
| Total loans | 108,529,000 | 109,389,000 | 112,596,000 | 115,495,000 |
| Allowance for loan losses | 665,000 | 737,000 | 743,000 | 782,000 |
| Securities available for sale | 18,030,000 | 17,798,000 | 17,581,000 | 17,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,571,000 | 111,475,000 | 108,761,000 | 125,225,000 |
| Interest-bearing deposits | 96,136,000 | 92,501,000 | 89,153,000 | 106,285,000 |
| Noninterest-bearing deposits | 18,435,000 | 18,974,000 | 19,608,000 | 18,940,000 |
| Equity capital | 25,544,000 | 26,044,000 | 26,428,000 | 27,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,438,000 | 2,932,000 | 4,431,000 | 6,025,000 |
| Interest expense | 313,000 | 660,000 | 1,032,000 | 1,401,000 |
| Net interest income | 1,125,000 | 2,272,000 | 3,399,000 | 4,624,000 |
| Noninterest income | 101,000 | 207,000 | 317,000 | 418,000 |
| Noninterest expense | 619,000 | 1,287,000 | 1,985,000 | 2,355,000 |
| Provision for loan losses | 67,000 | 137,000 | 223,000 | 368,000 |
| Pretax income | 540,000 | 1,055,000 | 1,508,000 | 2,319,000 |
| Income tax | 122,000 | 238,000 | 339,000 | 438,000 |
| Net income | 418,000 | 817,000 | 1,169,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,793,000 | 21,217,000 | 21,593,000 | 22,330,000 |
| Total capital | 21,458,000 | 21,954,000 | 22,336,000 | 23,112,000 |
| Risk-weighted assets | 108,087,000 | 112,492,000 | 108,503,000 | 114,785,000 |