Call reports 2004
UNION BANK OF SPARTA — 2004
What UNION BANK OF SPARTA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,160,000 | 78,788,000 | 79,391,000 | 80,722,000 |
| Total loans | 39,587,000 | 39,683,000 | 41,416,000 | 45,009,000 |
| Allowance for loan losses | 476,000 | 492,000 | 492,000 | 494,000 |
| Securities available for sale | 31,907,000 | 31,303,000 | 31,370,000 | 29,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,490,000 | 67,012,000 | 67,024,000 | 68,858,000 |
| Interest-bearing deposits | 59,168,000 | 58,090,000 | 57,482,000 | 57,817,000 |
| Noninterest-bearing deposits | 8,322,000 | 8,922,000 | 9,542,000 | 11,041,000 |
| Equity capital | 11,909,000 | 11,380,000 | 11,861,000 | 11,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,055,000 | 3,080,000 | 4,112,000 |
| Interest expense | 278,000 | 544,000 | 809,000 | 1,068,000 |
| Net interest income | 763,000 | 1,511,000 | 2,271,000 | 3,044,000 |
| Noninterest income | 146,000 | 243,000 | 325,000 | 408,000 |
| Noninterest expense | 466,000 | 924,000 | 1,446,000 | 1,979,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 443,000 | 830,000 | 1,150,000 | 1,473,000 |
| Income tax | 112,000 | 206,000 | 275,000 | 364,000 |
| Net income | 331,000 | 624,000 | 875,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,039,000 | 11,132,000 | 11,383,000 | 11,216,000 |
| Total capital | 11,515,000 | 11,624,000 | 11,875,000 | 11,710,000 |
| Risk-weighted assets | 46,542,000 | 45,909,000 | 46,643,000 | 49,484,000 |