Call reports 2003
UNION BANK OF SPARTA — 2003
What UNION BANK OF SPARTA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,642,000 | 78,978,000 | 77,996,000 | 80,069,000 |
| Total loans | 39,257,000 | 40,289,000 | 40,409,000 | 39,127,000 |
| Allowance for loan losses | 480,000 | 493,000 | 493,000 | 464,000 |
| Securities available for sale | 32,662,000 | 33,096,000 | 32,234,000 | 31,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,440,000 | 65,308,000 | 65,849,000 | 68,044,000 |
| Interest-bearing deposits | 56,714,000 | 56,686,000 | 57,291,000 | 58,256,000 |
| Noninterest-bearing deposits | 8,726,000 | 8,622,000 | 8,558,000 | 9,788,000 |
| Equity capital | 11,385,000 | 11,669,000 | 11,588,000 | 11,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,231,000 | 3,326,000 | 4,399,000 |
| Interest expense | 335,000 | 661,000 | 974,000 | 1,271,000 |
| Net interest income | 786,000 | 1,570,000 | 2,352,000 | 3,128,000 |
| Noninterest income | 157,000 | 339,000 | 451,000 | 532,000 |
| Noninterest expense | 472,000 | 977,000 | 1,507,000 | 2,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 471,000 | 932,000 | 1,296,000 | 1,630,000 |
| Income tax | 74,000 | 205,000 | 304,000 | 395,000 |
| Net income | 397,000 | 727,000 | 992,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,244,000 | 10,374,000 | 10,639,000 | 10,708,000 |
| Total capital | 10,724,000 | 10,867,000 | 11,132,000 | 11,172,000 |
| Risk-weighted assets | 41,573,000 | 45,002,000 | 44,754,000 | 46,230,000 |