Call reports 2013
UNION BUILDING AND LOAN SAVINGS BANK — 2013
What UNION BUILDING AND LOAN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 38,984,000 | 38,546,000 | 38,137,000 | 37,346,000 |
| Total loans | 29,140,000 | 28,624,000 | 28,496,000 | 28,882,000 |
| Allowance for loan losses | 320,000 | 320,000 | 320,000 | 330,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 260,000 | 260,000 | 260,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,695,000 | 31,226,000 | 30,759,000 | 29,927,000 |
| Interest-bearing deposits | 30,515,000 | 29,923,000 | 29,456,000 | 28,625,000 |
| Noninterest-bearing deposits | 1,180,000 | 1,303,000 | 1,303,000 | 1,302,000 |
| Equity capital | 7,242,000 | 7,293,000 | 7,343,000 | 7,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 845,000 | 1,240,000 | 1,638,000 |
| Interest expense | 91,000 | 177,000 | 259,000 | 336,000 |
| Net interest income | 341,000 | 668,000 | 981,000 | 1,302,000 |
| Noninterest income | 5,000 | 11,000 | 21,000 | 26,000 |
| Noninterest expense | 244,000 | 491,000 | 724,000 | 979,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 102,000 | 188,000 | 278,000 | 339,000 |
| Income tax | 44,000 | 79,000 | 119,000 | 124,000 |
| Net income | 58,000 | 109,000 | 159,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,242,000 | 7,293,000 | 7,343,000 | 7,399,000 |
| Total capital | 7,496,000 | 7,539,000 | 7,589,000 | 7,645,000 |
| Risk-weighted assets | 20,235,000 | 19,632,000 | 19,633,000 | 19,635,000 |
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