Call reports 2015
UNION BUILDING AND LOAN SAVINGS BANK — 2015
What UNION BUILDING AND LOAN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 33,387,000 | 34,125,000 | 33,355,000 | 33,836,000 |
| Total loans | 28,207,000 | 29,958,000 | 30,063,000 | 31,271,000 |
| Allowance for loan losses | 334,000 | 324,000 | 321,000 | 335,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 210,000 | 210,000 | 210,000 | 210,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,679,000 | 26,388,000 | 24,560,000 | 24,401,000 |
| Interest-bearing deposits | 24,333,000 | 24,585,000 | 23,243,000 | 22,747,000 |
| Noninterest-bearing deposits | 1,346,000 | 1,803,000 | 1,317,000 | 1,654,000 |
| Equity capital | 7,668,000 | 7,706,000 | 7,754,000 | 7,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 749,000 | 1,145,000 | 1,554,000 |
| Interest expense | 59,000 | 115,000 | 175,000 | 234,000 |
| Net interest income | 307,000 | 634,000 | 970,000 | 1,320,000 |
| Noninterest income | 3,000 | 5,000 | 13,000 | 17,000 |
| Noninterest expense | 244,000 | 508,000 | 781,000 | 1,099,000 |
| Provision for loan losses | 0 | 0 | 0 | 14,000 |
| Pretax income | 66,000 | 131,000 | 202,000 | 224,000 |
| Income tax | 28,000 | 55,000 | 78,000 | 79,000 |
| Net income | 38,000 | 76,000 | 124,000 | 145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,668,000 | 7,706,000 | 7,754,000 | 7,775,000 |
| Total capital | 7,897,000 | 7,946,000 | 7,996,000 | 8,032,000 |
| Risk-weighted assets | 18,045,000 | 19,131,000 | 19,292,000 | 20,495,000 |