Call reports 2010
UNION BUILDING AND LOAN SAVINGS BANK — 2010
What UNION BUILDING AND LOAN SAVINGS BANK 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 | 40,446,000 | 40,620,000 | 40,246,000 | 40,654,000 |
| Total loans | 33,254,000 | 34,093,000 | 33,418,000 | 32,656,000 |
| Allowance for loan losses | 237,000 | 257,000 | 262,000 | 327,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,760,000 | 33,919,000 | 33,450,000 | 33,814,000 |
| Interest-bearing deposits | 32,967,000 | 32,791,000 | 32,579,000 | 32,926,000 |
| Noninterest-bearing deposits | 793,000 | 1,128,000 | 871,000 | 888,000 |
| Equity capital | 6,504,000 | 6,611,000 | 6,693,000 | 6,667,000 |
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 | 536,000 | 1,073,000 | 1,591,000 | 2,099,000 |
| Interest expense | 189,000 | 369,000 | 536,000 | 694,000 |
| Net interest income | 347,000 | 704,000 | 1,055,000 | 1,405,000 |
| Noninterest income | 28,000 | 55,000 | 90,000 | 111,000 |
| Noninterest expense | 246,000 | 473,000 | 709,000 | 960,000 |
| Provision for loan losses | 0 | 20,000 | 53,000 | 118,000 |
| Pretax income | 129,000 | 266,000 | 383,000 | 438,000 |
| Income tax | 21,000 | 51,000 | 86,000 | 167,000 |
| Net income | 108,000 | 215,000 | 297,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,504,000 | 6,611,000 | 6,693,000 | 6,667,000 |
| Total capital | 6,741,000 | 6,868,000 | 6,955,000 | 6,944,000 |
| Risk-weighted assets | 23,517,000 | 23,110,000 | 22,926,000 | 22,208,000 |
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