Call reports 2018
UNION BUILDING AND LOAN SAVINGS BANK — 2018
What UNION BUILDING AND LOAN SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 32,721,000 | 32,981,000 | 31,822,000 | 32,223,000 |
| Total loans | 30,265,000 | 30,762,000 | 30,207,000 | 30,279,000 |
| Allowance for loan losses | 159,000 | 170,000 | 170,000 | 170,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,569,000 | 24,801,000 | 23,583,000 | 22,231,000 |
| Interest-bearing deposits | 22,945,000 | 22,817,000 | 22,174,000 | 20,818,000 |
| Noninterest-bearing deposits | 1,624,000 | 1,984,000 | 1,409,000 | 1,413,000 |
| Equity capital | 8,052,000 | 8,113,000 | 8,132,000 | 8,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 737,000 | 1,107,000 | 1,474,000 |
| Interest expense | 51,000 | 106,000 | 163,000 | 222,000 |
| Net interest income | 315,000 | 631,000 | 944,000 | 1,252,000 |
| Noninterest income | 7,000 | 14,000 | 21,000 | 33,000 |
| Noninterest expense | 258,000 | 501,000 | 786,000 | 1,061,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 59,000 | 139,000 | 174,000 | 219,000 |
| Income tax | 16,000 | 35,000 | 51,000 | 66,000 |
| Net income | 43,000 | 104,000 | 123,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,052,000 | 8,113,000 | 8,132,000 | 8,162,000 |
| Total capital | 8,211,000 | 8,283,000 | 8,302,000 | 8,332,000 |
| Risk-weighted assets | 18,499,000 | 18,634,000 | 18,537,000 | 18,142,000 |