Call reports 2012
UNION BUILDING AND LOAN SAVINGS BANK — 2012
What UNION BUILDING AND LOAN SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 41,848,000 | 40,990,000 | 40,545,000 | 39,791,000 |
| Total loans | 31,869,000 | 31,296,000 | 31,092,000 | 30,714,000 |
| Allowance for loan losses | 336,000 | 336,000 | 336,000 | 320,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 310,000 | 260,000 | 260,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,761,000 | 33,934,000 | 33,372,000 | 32,575,000 |
| Interest-bearing deposits | 33,581,000 | 32,541,000 | 32,369,000 | 30,910,000 |
| Noninterest-bearing deposits | 1,180,000 | 1,393,000 | 1,003,000 | 1,665,000 |
| Equity capital | 6,976,000 | 7,030,000 | 7,093,000 | 7,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 925,000 | 1,414,000 | 1,878,000 |
| Interest expense | 126,000 | 244,000 | 355,000 | 456,000 |
| Net interest income | 346,000 | 681,000 | 1,059,000 | 1,422,000 |
| Noninterest income | 25,000 | 40,000 | 11,000 | 17,000 |
| Noninterest expense | 243,000 | 475,000 | 710,000 | 973,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 128,000 | 246,000 | 360,000 | 446,000 |
| Income tax | 57,000 | 121,000 | 172,000 | 167,000 |
| Net income | 71,000 | 125,000 | 188,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,976,000 | 7,030,000 | 7,093,000 | 7,184,000 |
| Total capital | 7,256,000 | 7,303,000 | 7,368,000 | 7,452,000 |
| Risk-weighted assets | 22,353,000 | 21,754,000 | 21,967,000 | 21,429,000 |