Call reports 2008
UNION BUILDING AND LOAN SAVINGS BANK — 2008
What UNION BUILDING AND LOAN SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 38,188,000 | 37,701,000 | 35,995,000 | 37,160,000 |
| Total loans | 32,435,000 | 32,372,000 | 33,146,000 | 32,817,000 |
| Allowance for loan losses | 227,000 | 227,000 | 227,000 | 227,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 280,000 | 165,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,880,000 | 30,439,000 | 29,687,000 | 30,824,000 |
| Interest-bearing deposits | 30,122,000 | 29,450,000 | 28,675,000 | 29,930,000 |
| Noninterest-bearing deposits | 758,000 | 989,000 | 1,012,000 | 894,000 |
| Equity capital | 6,095,000 | 6,117,000 | 6,165,000 | 6,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 580,000 | 1,143,000 | 1,705,000 | 2,269,000 |
| Interest expense | 325,000 | 645,000 | 929,000 | 1,210,000 |
| Net interest income | 255,000 | 498,000 | 776,000 | 1,059,000 |
| Noninterest income | 26,000 | 70,000 | 98,000 | 138,000 |
| Noninterest expense | 246,000 | 495,000 | 738,000 | 994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 73,000 | 136,000 | 203,000 |
| Income tax | 19,000 | 35,000 | 50,000 | 69,000 |
| Net income | 16,000 | 38,000 | 86,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,095,000 | 6,117,000 | 6,165,000 | 6,213,000 |
| Total capital | 6,322,000 | 6,344,000 | 6,392,000 | 6,440,000 |
| Risk-weighted assets | 23,157,000 | 22,625,000 | 22,869,000 | 23,126,000 |
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