Call reports 2005
UNION BUILDING AND LOAN SAVINGS BANK — 2005
What UNION BUILDING AND LOAN SAVINGS BANK 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 | 33,535,000 | 33,097,000 | 32,851,000 | 33,625,000 |
| Total loans | 25,964,000 | 25,462,000 | 25,907,000 | 26,905,000 |
| Allowance for loan losses | 227,000 | 227,000 | 227,000 | 227,000 |
| Securities available for sale | 0 | 0 | 0 | 22,000 |
| Securities held to maturity | 1,308,000 | 1,308,000 | 1,308,000 | 1,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,714,000 | 25,243,000 | 24,962,000 | 25,695,000 |
| Interest-bearing deposits | 24,497,000 | 23,973,000 | 23,956,000 | 23,992,000 |
| Noninterest-bearing deposits | 1,217,000 | 1,270,000 | 1,006,000 | 1,703,000 |
| Equity capital | 5,593,000 | 5,648,000 | 5,690,000 | 5,730,000 |
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 | 511,000 | 1,007,000 | 1,492,000 | 1,996,000 |
| Interest expense | 225,000 | 448,000 | 676,000 | 907,000 |
| Net interest income | 286,000 | 559,000 | 816,000 | 1,089,000 |
| Noninterest income | 10,000 | 24,000 | 39,000 | 60,000 |
| Noninterest expense | 212,000 | 423,000 | 627,000 | 832,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 160,000 | 228,000 | 317,000 |
| Income tax | 20,000 | 41,000 | 67,000 | 116,000 |
| Net income | 64,000 | 119,000 | 161,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,593,000 | 5,648,000 | 5,690,000 | 5,730,000 |
| Total capital | 5,820,000 | 5,875,000 | 5,917,000 | 5,957,000 |
| Risk-weighted assets | 18,788,000 | 18,544,000 | 18,803,000 | 19,592,000 |
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