Call reports 2011
ULSTER SAVINGS BANK — 2011
What ULSTER SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 721,786,000 | 732,949,000 | 731,867,000 | 714,591,000 |
| Total loans | 579,036,000 | 582,034,000 | 584,219,000 | 577,590,000 |
| Allowance for loan losses | 5,494,000 | 5,664,000 | 6,311,000 | 6,931,000 |
| Securities available for sale | 47,087,000 | 49,213,000 | 46,136,000 | 45,496,000 |
| Securities held to maturity | 3,288,000 | 2,956,000 | 2,708,000 | 2,416,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 630,054,000 | 640,088,000 | 639,142,000 | 624,519,000 |
| Interest-bearing deposits | 587,566,000 | 593,599,000 | 580,155,000 | 574,987,000 |
| Noninterest-bearing deposits | 42,488,000 | 46,489,000 | 58,987,000 | 49,532,000 |
| Equity capital | 84,122,000 | 85,110,000 | 85,166,000 | 85,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,286,000 | 16,565,000 | 24,856,000 | 32,706,000 |
| Interest expense | 1,513,000 | 2,923,000 | 4,171,000 | 5,266,000 |
| Net interest income | 6,773,000 | 13,642,000 | 20,685,000 | 27,440,000 |
| Noninterest income | 6,201,000 | 10,604,000 | 13,138,000 | 18,177,000 |
| Noninterest expense | 10,858,000 | 20,535,000 | 29,176,000 | 38,840,000 |
| Provision for loan losses | 328,000 | 738,000 | 1,626,000 | 2,541,000 |
| Pretax income | 2,683,000 | 3,868,000 | 3,916,000 | 5,131,000 |
| Income tax | 1,082,000 | 1,450,000 | 1,420,000 | 1,803,000 |
| Net income | 1,601,000 | 2,418,000 | 2,496,000 | 3,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,053,000 | 81,962,000 | 82,064,000 | 82,912,000 |
| Total capital | 86,656,000 | 87,746,000 | 88,484,000 | 89,372,000 |
| Risk-weighted assets | 547,361,000 | 549,631,000 | 545,195,000 | 534,602,000 |
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