Call reports 2012
ULSTER SAVINGS BANK — 2012
What ULSTER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 712,992,000 | 734,715,000 | 736,965,000 | 723,745,000 |
| Total loans | 575,070,000 | 571,947,000 | 563,145,000 | 556,388,000 |
| Allowance for loan losses | 7,600,000 | 6,707,000 | 6,925,000 | 7,300,000 |
| Securities available for sale | 44,910,000 | 53,145,000 | 72,233,000 | 69,405,000 |
| Securities held to maturity | 2,281,000 | 1,982,000 | 1,638,000 | 1,390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 621,774,000 | 641,395,000 | 640,352,000 | 625,314,000 |
| Interest-bearing deposits | 571,356,000 | 587,915,000 | 570,197,000 | 569,671,000 |
| Noninterest-bearing deposits | 50,418,000 | 53,480,000 | 70,155,000 | 55,643,000 |
| Equity capital | 88,624,000 | 90,260,000 | 92,015,000 | 93,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,798,000 | 15,597,000 | 23,069,000 | 30,550,000 |
| Interest expense | 969,000 | 1,860,000 | 2,660,000 | 3,355,000 |
| Net interest income | 6,829,000 | 13,737,000 | 20,409,000 | 27,195,000 |
| Noninterest income | 6,032,000 | 11,226,000 | 16,902,000 | 23,719,000 |
| Noninterest expense | 9,145,000 | 18,459,000 | 28,136,000 | 38,736,000 |
| Provision for loan losses | 940,000 | 1,339,000 | 1,849,000 | 3,122,000 |
| Pretax income | 2,776,000 | 5,165,000 | 7,326,000 | 9,056,000 |
| Income tax | 245,000 | 1,006,000 | 1,687,000 | 2,095,000 |
| Net income | 2,531,000 | 4,159,000 | 5,639,000 | 6,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,451,000 | 87,077,000 | 88,568,000 | 89,872,000 |
| Total capital | 91,901,000 | 93,461,000 | 94,959,000 | 96,115,000 |
| Risk-weighted assets | 533,026,000 | 528,164,000 | 526,484,000 | 516,766,000 |
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