Call reports 2002
UNION BANK OF SPARTA — 2002
What UNION BANK OF SPARTA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 79,024,000 | 79,034,000 | 78,753,000 | 79,000,000 |
| Total loans | 40,338,000 | 41,375,000 | 41,069,000 | 40,329,000 |
| Allowance for loan losses | 509,000 | 504,000 | 469,000 | 503,000 |
| Securities available for sale | 32,005,000 | 32,875,000 | 32,954,000 | 33,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,011,000 | 68,218,000 | 66,466,000 | 67,124,000 |
| Interest-bearing deposits | 61,267,000 | 59,386,000 | 58,123,000 | 57,772,000 |
| Noninterest-bearing deposits | 7,744,000 | 8,832,000 | 8,343,000 | 9,352,000 |
| Equity capital | 9,569,000 | 10,265,000 | 11,073,000 | 11,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,253,000 | 2,502,000 | 3,730,000 | 4,954,000 |
| Interest expense | 540,000 | 983,000 | 1,375,000 | 1,740,000 |
| Net interest income | 713,000 | 1,519,000 | 2,355,000 | 3,214,000 |
| Noninterest income | 110,000 | 203,000 | 314,000 | 502,000 |
| Noninterest expense | 496,000 | 950,000 | 1,411,000 | 2,008,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 327,000 | 772,000 | 1,258,000 | 1,673,000 |
| Income tax | 57,000 | 143,000 | 251,000 | 406,000 |
| Net income | 270,000 | 629,000 | 1,007,000 | 1,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,234,000 | 9,434,000 | 9,813,000 | 9,847,000 |
| Total capital | 9,743,000 | 9,938,000 | 10,282,000 | 10,350,000 |
| Risk-weighted assets | 46,241,000 | 47,523,000 | 47,245,000 | 45,565,000 |