Call reports 2010
UNION BANK OF SPARTA — 2010
What UNION BANK OF SPARTA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 82,402,000 | 83,566,000 | 89,770,000 | 92,546,000 |
| Total loans | 48,961,000 | 51,159,000 | 58,540,000 | 58,858,000 |
| Allowance for loan losses | 315,000 | 260,000 | 292,000 | 334,000 |
| Securities available for sale | 28,027,000 | 27,381,000 | 26,312,000 | 26,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,975,000 | 68,447,000 | 74,847,000 | 75,953,000 |
| Interest-bearing deposits | 57,668,000 | 57,518,000 | 63,449,000 | 63,702,000 |
| Noninterest-bearing deposits | 10,307,000 | 10,929,000 | 11,398,000 | 12,251,000 |
| Equity capital | 14,165,000 | 14,099,000 | 14,696,000 | 14,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 997,000 | 2,028,000 | 3,102,000 | 4,220,000 |
| Interest expense | 247,000 | 492,000 | 721,000 | 940,000 |
| Net interest income | 750,000 | 1,536,000 | 2,381,000 | 3,280,000 |
| Noninterest income | 100,000 | 201,000 | 332,000 | 475,000 |
| Noninterest expense | 722,000 | 1,516,000 | 2,121,000 | 2,738,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 103,000 | 171,000 | 517,000 | 917,000 |
| Income tax | 61,000 | 118,000 | 77,000 | 186,000 |
| Net income | 42,000 | 53,000 | 440,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,627,000 | 13,608,000 | 13,994,000 | 14,012,000 |
| Total capital | 13,942,000 | 13,868,000 | 14,286,000 | 14,346,000 |
| Risk-weighted assets | 56,105,000 | 57,714,000 | 65,165,000 | 66,439,000 |