Call reports 2014
UNION BUILDING AND LOAN SAVINGS BANK — 2014
What UNION BUILDING AND LOAN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 36,035,000 | 35,742,000 | 34,606,000 | 34,286,000 |
| Total loans | 29,212,000 | 28,857,000 | 28,821,000 | 28,164,000 |
| Allowance for loan losses | 330,000 | 330,000 | 330,000 | 334,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 260,000 | 260,000 | 260,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,535,000 | 28,200,000 | 26,992,000 | 26,592,000 |
| Interest-bearing deposits | 27,301,000 | 26,796,000 | 25,952,000 | 25,114,000 |
| Noninterest-bearing deposits | 1,234,000 | 1,404,000 | 1,040,000 | 1,478,000 |
| Equity capital | 7,460,000 | 7,523,000 | 7,570,000 | 7,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 408,000 | 824,000 | 1,198,000 | 1,597,000 |
| Interest expense | 71,000 | 139,000 | 204,000 | 268,000 |
| Net interest income | 337,000 | 685,000 | 994,000 | 1,329,000 |
| Noninterest income | 1,000 | 7,000 | 16,000 | 21,000 |
| Noninterest expense | 248,000 | 496,000 | 731,000 | 970,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 90,000 | 196,000 | 279,000 | 370,000 |
| Income tax | 29,000 | 72,000 | 108,000 | 139,000 |
| Net income | 61,000 | 124,000 | 171,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,460,000 | 7,523,000 | 7,570,000 | 7,630,000 |
| Total capital | 7,703,000 | 7,759,000 | 7,808,000 | 7,860,000 |
| Risk-weighted assets | 19,326,000 | 18,800,000 | 18,993,000 | 18,294,000 |
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