Call reports 2013
ULSTER SAVINGS BANK — 2013
What ULSTER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 722,369,000 | 743,697,000 | 734,378,000 | 720,631,000 |
| Total loans | 544,915,000 | 531,102,000 | 521,314,000 | 515,846,000 |
| Allowance for loan losses | 6,197,000 | 7,541,000 | 7,927,000 | 7,744,000 |
| Securities available for sale | 72,491,000 | 82,776,000 | 108,633,000 | 103,969,000 |
| Securities held to maturity | 1,227,000 | 1,055,000 | 940,000 | 848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 623,513,000 | 645,004,000 | 635,453,000 | 620,489,000 |
| Interest-bearing deposits | 565,052,000 | 581,300,000 | 560,024,000 | 559,185,000 |
| Noninterest-bearing deposits | 58,461,000 | 63,704,000 | 75,429,000 | 61,304,000 |
| Equity capital | 94,792,000 | 94,510,000 | 94,586,000 | 95,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,136,000 | 13,966,000 | 20,803,000 | 27,589,000 |
| Interest expense | 637,000 | 1,277,000 | 1,941,000 | 2,524,000 |
| Net interest income | 6,499,000 | 12,689,000 | 18,862,000 | 25,065,000 |
| Noninterest income | 6,617,000 | 11,635,000 | 16,155,000 | 18,847,000 |
| Noninterest expense | 10,043,000 | 18,607,000 | 28,838,000 | 36,754,000 |
| Provision for loan losses | 547,000 | 2,351,000 | 2,825,000 | 2,870,000 |
| Pretax income | 2,526,000 | 3,366,000 | 3,354,000 | 4,360,000 |
| Income tax | 806,000 | 1,041,000 | 983,000 | 1,168,000 |
| Net income | 1,720,000 | 2,325,000 | 2,371,000 | 3,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,389,000 | 91,851,000 | 92,051,000 | 92,877,000 |
| Total capital | 97,542,000 | 97,929,000 | 98,148,000 | 98,937,000 |
| Risk-weighted assets | 512,600,000 | 505,568,000 | 501,701,000 | 498,365,000 |
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