Call reports 2009
ULSTER SAVINGS BANK — 2009
What ULSTER SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 704,045,000 | 719,053,000 | 706,330,000 | 704,873,000 |
| Total loans | 567,095,000 | 571,005,000 | 554,494,000 | 564,165,000 |
| Allowance for loan losses | 3,582,000 | 3,332,000 | 3,477,000 | 3,897,000 |
| Securities available for sale | 44,436,000 | 41,416,000 | 40,759,000 | 39,821,000 |
| Securities held to maturity | 18,807,000 | 13,733,000 | 10,888,000 | 8,162,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 560,637,000 | 588,664,000 | 590,667,000 | 590,653,000 |
| Interest-bearing deposits | 522,072,000 | 540,822,000 | 537,610,000 | 549,754,000 |
| Noninterest-bearing deposits | 38,565,000 | 47,842,000 | 53,057,000 | 40,899,000 |
| Equity capital | 76,637,000 | 79,377,000 | 80,290,000 | 80,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,635,000 | 19,255,000 | 28,268,000 | 37,006,000 |
| Interest expense | 3,291,000 | 6,114,000 | 8,708,000 | 10,953,000 |
| Net interest income | 6,344,000 | 13,141,000 | 19,560,000 | 26,053,000 |
| Noninterest income | 4,397,000 | 11,884,000 | 16,411,000 | 20,984,000 |
| Noninterest expense | 8,858,000 | 18,812,000 | 29,384,000 | 40,855,000 |
| Provision for loan losses | 208,000 | 1,002,000 | 1,200,000 | 1,397,000 |
| Pretax income | 1,675,000 | 5,211,000 | 5,387,000 | 4,785,000 |
| Income tax | 552,000 | 1,749,000 | 1,627,000 | 1,350,000 |
| Net income | 1,123,000 | 3,462,000 | 3,760,000 | 3,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,352,000 | 76,156,000 | 77,060,000 | 76,767,000 |
| Total capital | 76,934,000 | 79,488,000 | 80,694,000 | 80,916,000 |
| Risk-weighted assets | 494,750,000 | 518,656,000 | 507,616,000 | 521,065,000 |
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