Call reports 2010
ULSTER SAVINGS BANK — 2010
What ULSTER SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 691,507,000 | 729,266,000 | 728,033,000 | 722,962,000 |
| Total loans | 563,171,000 | 564,667,000 | 567,200,000 | 582,850,000 |
| Allowance for loan losses | 4,159,000 | 4,107,000 | 4,316,000 | 5,559,000 |
| Securities available for sale | 38,751,000 | 39,617,000 | 56,480,000 | 51,831,000 |
| Securities held to maturity | 6,431,000 | 5,567,000 | 4,590,000 | 3,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,601,000 | 635,927,000 | 634,029,000 | 631,838,000 |
| Interest-bearing deposits | 559,463,000 | 592,290,000 | 585,282,000 | 589,068,000 |
| Noninterest-bearing deposits | 38,138,000 | 43,637,000 | 48,747,000 | 42,770,000 |
| Equity capital | 80,685,000 | 81,015,000 | 82,281,000 | 83,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 8,394,000 | 16,715,000 | 25,310,000 | 34,222,000 |
| Interest expense | 2,096,000 | 4,176,000 | 6,199,000 | 7,916,000 |
| Net interest income | 6,298,000 | 12,539,000 | 19,111,000 | 26,306,000 |
| Noninterest income | 4,890,000 | 9,791,000 | 14,113,000 | 19,568,000 |
| Noninterest expense | 9,163,000 | 19,754,000 | 28,813,000 | 38,673,000 |
| Provision for loan losses | 664,000 | 921,000 | 1,372,000 | 2,865,000 |
| Pretax income | 1,361,000 | 1,655,000 | 3,039,000 | 4,336,000 |
| Income tax | 436,000 | 434,000 | 837,000 | 1,213,000 |
| Net income | 925,000 | 1,221,000 | 2,202,000 | 3,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,248,000 | 77,571,000 | 78,585,000 | 79,516,000 |
| Total capital | 81,745,000 | 81,960,000 | 83,388,000 | 85,594,000 |
| Risk-weighted assets | 526,244,000 | 531,935,000 | 550,409,000 | 549,845,000 |
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