Call reports 2009
UNION BANK OF SPARTA — 2009
What UNION BANK OF SPARTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 79,281,000 | 78,792,000 | 82,985,000 | 83,100,000 |
| Total loans | 52,224,000 | 49,116,000 | 47,162,000 | 48,762,000 |
| Allowance for loan losses | 981,000 | 728,000 | 437,000 | 341,000 |
| Securities available for sale | 22,053,000 | 22,251,000 | 24,845,000 | 27,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,719,000 | 64,886,000 | 68,274,000 | 68,584,000 |
| Interest-bearing deposits | 52,848,000 | 53,838,000 | 56,994,000 | 57,124,000 |
| Noninterest-bearing deposits | 11,871,000 | 11,049,000 | 11,280,000 | 11,460,000 |
| Equity capital | 14,020,000 | 13,646,000 | 14,172,000 | 14,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,098,000 | 3,031,000 | 4,014,000 |
| Interest expense | 306,000 | 608,000 | 908,000 | 1,177,000 |
| Net interest income | 759,000 | 1,490,000 | 2,123,000 | 2,837,000 |
| Noninterest income | 148,000 | 308,000 | 407,000 | 511,000 |
| Noninterest expense | 486,000 | 1,100,000 | 1,634,000 | 2,396,000 |
| Provision for loan losses | 0 | 300,000 | 300,000 | 300,000 |
| Pretax income | 421,000 | 398,000 | 596,000 | 652,000 |
| Income tax | 131,000 | 265,000 | 127,000 | 76,000 |
| Net income | 290,000 | 133,000 | 469,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,713,000 | 13,356,000 | 13,632,000 | 13,640,000 |
| Total capital | 14,437,000 | 14,053,000 | 14,546,000 | 14,346,000 |
| Risk-weighted assets | 57,677,000 | 55,767,000 | 53,325,000 | 55,639,000 |