Call reports 2005
UNION BANK OF SPARTA — 2005
What UNION BANK OF SPARTA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 77,031,000 | 77,396,000 | 78,233,000 | 79,457,000 |
| Total loans | 44,074,000 | 46,059,000 | 47,413,000 | 48,979,000 |
| Allowance for loan losses | 494,000 | 491,000 | 484,000 | 511,000 |
| Securities available for sale | 29,021,000 | 27,385,000 | 24,011,000 | 23,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,724,000 | 64,266,000 | 65,839,000 | 67,414,000 |
| Interest-bearing deposits | 55,908,000 | 54,666,000 | 55,587,000 | 56,693,000 |
| Noninterest-bearing deposits | 8,816,000 | 9,600,000 | 10,252,000 | 10,721,000 |
| Equity capital | 11,526,000 | 11,620,000 | 11,908,000 | 11,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,085,000 | 3,156,000 | 4,244,000 |
| Interest expense | 252,000 | 509,000 | 794,000 | 1,094,000 |
| Net interest income | 777,000 | 1,576,000 | 2,362,000 | 3,150,000 |
| Noninterest income | 86,000 | 172,000 | 259,000 | 354,000 |
| Noninterest expense | 480,000 | 1,001,000 | 1,535,000 | 2,056,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 383,000 | 745,000 | 1,086,000 | 1,398,000 |
| Income tax | 131,000 | 285,000 | 261,000 | 305,000 |
| Net income | 252,000 | 460,000 | 823,000 | 1,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,468,000 | 11,476,000 | 11,839,000 | 11,858,000 |
| Total capital | 11,962,000 | 11,967,000 | 12,323,000 | 12,806,000 |
| Risk-weighted assets | 49,650,000 | 50,742,000 | 51,747,000 | 53,268,000 |