Call reports 2009
UNION BUILDING AND LOAN SAVINGS BANK — 2009
What UNION BUILDING AND LOAN SAVINGS BANK 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 | 38,574,000 | 39,117,000 | 39,282,000 | 39,855,000 |
| Total loans | 32,382,000 | 32,456,000 | 33,267,000 | 33,304,000 |
| Allowance for loan losses | 227,000 | 227,000 | 227,000 | 237,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,115,000 | 32,652,000 | 32,771,000 | 33,303,000 |
| Interest-bearing deposits | 31,241,000 | 31,578,000 | 31,980,000 | 32,385,000 |
| Noninterest-bearing deposits | 874,000 | 1,074,000 | 791,000 | 918,000 |
| Equity capital | 6,263,000 | 6,324,000 | 6,374,000 | 6,396,000 |
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 | 550,000 | 1,089,000 | 1,626,000 | 2,171,000 |
| Interest expense | 271,000 | 521,000 | 762,000 | 977,000 |
| Net interest income | 279,000 | 568,000 | 864,000 | 1,194,000 |
| Noninterest income | 26,000 | 68,000 | 106,000 | 132,000 |
| Noninterest expense | 241,000 | 495,000 | 761,000 | 1,027,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 64,000 | 141,000 | 209,000 | 289,000 |
| Income tax | 15,000 | 31,000 | 49,000 | 107,000 |
| Net income | 49,000 | 110,000 | 160,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,263,000 | 6,324,000 | 6,374,000 | 6,396,000 |
| Total capital | 6,490,000 | 6,551,000 | 6,601,000 | 6,633,000 |
| Risk-weighted assets | 22,827,000 | 22,742,000 | 23,446,000 | 23,770,000 |
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