Call reports 2016
UNION BUILDING AND LOAN SAVINGS BANK — 2016
What UNION BUILDING AND LOAN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 33,587,000 | 33,774,000 | 33,485,000 | 34,148,000 |
| Total loans | 31,742,000 | 31,601,000 | 31,767,000 | 30,442,000 |
| Allowance for loan losses | 340,000 | 354,000 | 370,000 | 370,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 210,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,481,000 | 23,096,000 | 24,093,000 | 26,157,000 |
| Interest-bearing deposits | 22,028,000 | 21,596,000 | 22,802,000 | 24,609,000 |
| Noninterest-bearing deposits | 1,453,000 | 1,500,000 | 1,291,000 | 1,548,000 |
| Equity capital | 7,833,000 | 7,860,000 | 7,890,000 | 7,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 393,000 | 781,000 | 1,179,000 | 1,550,000 |
| Interest expense | 55,000 | 105,000 | 157,000 | 208,000 |
| Net interest income | 338,000 | 676,000 | 1,022,000 | 1,342,000 |
| Noninterest income | 5,000 | 10,000 | 21,000 | 25,000 |
| Noninterest expense | 243,000 | 529,000 | 821,000 | 1,109,000 |
| Provision for loan losses | 5,000 | 19,000 | 35,000 | 35,000 |
| Pretax income | 95,000 | 138,000 | 187,000 | 223,000 |
| Income tax | 37,000 | 53,000 | 72,000 | 82,000 |
| Net income | 58,000 | 85,000 | 115,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,833,000 | 7,860,000 | 7,890,000 | 7,916,000 |
| Total capital | 8,082,000 | 8,112,000 | 8,130,000 | 8,153,000 |
| Risk-weighted assets | 19,800,000 | 20,023,000 | 19,108,000 | 18,820,000 |