Call reports 2007
UNION BANK OF SPARTA — 2007
What UNION BANK OF SPARTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,851,000 | 82,315,000 | 80,469,000 | 84,967,000 |
| Total loans | 53,488,000 | 53,986,000 | 56,564,000 | 53,256,000 |
| Allowance for loan losses | 503,000 | 463,000 | 470,000 | 500,000 |
| Securities available for sale | 18,101,000 | 17,904,000 | 18,185,000 | 18,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,905,000 | 69,648,000 | 67,300,000 | 71,609,000 |
| Interest-bearing deposits | 58,406,000 | 58,018,000 | 57,486,000 | 58,259,000 |
| Noninterest-bearing deposits | 10,499,000 | 11,630,000 | 9,814,000 | 13,350,000 |
| Equity capital | 12,599,000 | 12,403,000 | 12,858,000 | 13,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,210,000 | 2,460,000 | 3,731,000 | 5,002,000 |
| Interest expense | 448,000 | 920,000 | 1,397,000 | 1,863,000 |
| Net interest income | 762,000 | 1,540,000 | 2,334,000 | 3,139,000 |
| Noninterest income | 92,000 | 192,000 | 290,000 | 380,000 |
| Noninterest expense | 503,000 | 1,078,000 | 1,600,000 | 2,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 351,000 | 654,000 | 1,024,000 | 1,370,000 |
| Income tax | 95,000 | 172,000 | 275,000 | 356,000 |
| Net income | 256,000 | 482,000 | 749,000 | 1,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,663,000 | 12,613,000 | 12,880,000 | 13,036,000 |
| Total capital | 13,166,000 | 13,076,000 | 13,350,000 | 13,536,000 |
| Risk-weighted assets | 56,922,000 | 57,950,000 | 59,376,000 | 57,352,000 |