Call reports 2006
UNION BANK OF SPARTA — 2006
What UNION BANK OF SPARTA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,893,000 | 78,126,000 | 78,632,000 | 80,043,000 |
| Total loans | 49,404,000 | 56,924,000 | 52,189,000 | 53,901,000 |
| Allowance for loan losses | 512,000 | 507,000 | 508,000 | 508,000 |
| Securities available for sale | 23,945,000 | 17,676,000 | 17,996,000 | 18,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,657,000 | 65,596,000 | 66,099,000 | 67,457,000 |
| Interest-bearing deposits | 55,311,000 | 53,855,000 | 55,478,000 | 56,291,000 |
| Noninterest-bearing deposits | 9,346,000 | 11,741,000 | 10,621,000 | 11,166,000 |
| Equity capital | 11,965,000 | 11,644,000 | 12,091,000 | 12,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,228,000 | 3,400,000 | 4,581,000 |
| Interest expense | 322,000 | 670,000 | 1,047,000 | 1,450,000 |
| Net interest income | 772,000 | 1,558,000 | 2,353,000 | 3,131,000 |
| Noninterest income | 80,000 | 182,000 | 286,000 | 379,000 |
| Noninterest expense | 517,000 | 1,065,000 | 1,532,000 | 2,093,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 335,000 | 664,000 | 1,096,000 | 1,417,000 |
| Income tax | 76,000 | 132,000 | 297,000 | 334,000 |
| Net income | 259,000 | 532,000 | 799,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,117,000 | 11,940,000 | 12,207,000 | 12,407,000 |
| Total capital | 12,629,000 | 12,469,000 | 12,715,000 | 12,915,000 |
| Risk-weighted assets | 53,375,000 | 58,250,000 | 55,229,000 | 56,464,000 |