Call reports 2014
ULSTER SAVINGS BANK — 2014
What ULSTER SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 718,426,000 | 777,621,000 | 773,545,000 | 760,058,000 |
| Total loans | 521,234,000 | 530,656,000 | 535,389,000 | 541,449,000 |
| Allowance for loan losses | 7,562,000 | 7,677,000 | 7,742,000 | 7,533,000 |
| Securities available for sale | 105,074,000 | 136,726,000 | 126,220,000 | 114,051,000 |
| Securities held to maturity | 792,000 | 15,933,000 | 15,300,000 | 14,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 619,240,000 | 657,781,000 | 653,188,000 | 629,609,000 |
| Interest-bearing deposits | 557,701,000 | 589,540,000 | 588,460,000 | 562,966,000 |
| Noninterest-bearing deposits | 61,539,000 | 68,241,000 | 64,728,000 | 66,643,000 |
| Equity capital | 95,291,000 | 96,287,000 | 96,156,000 | 96,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,326,000 | 12,955,000 | 19,800,000 | 26,688,000 |
| Interest expense | 546,000 | 1,244,000 | 1,985,000 | 2,667,000 |
| Net interest income | 5,780,000 | 11,711,000 | 17,815,000 | 24,021,000 |
| Noninterest income | 3,747,000 | 7,353,000 | 10,937,000 | 14,505,000 |
| Noninterest expense | 9,232,000 | 17,508,000 | 26,497,000 | 35,158,000 |
| Provision for loan losses | 349,000 | 722,000 | 1,049,000 | 1,884,000 |
| Pretax income | -30,000 | 953,000 | 1,817,000 | 2,143,000 |
| Income tax | -62,000 | 181,000 | 429,000 | 439,000 |
| Net income | 32,000 | 772,000 | 1,388,000 | 1,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,915,000 | 93,673,000 | 94,294,000 | 94,617,000 |
| Total capital | 98,973,000 | 99,939,000 | 100,589,000 | 100,803,000 |
| Risk-weighted assets | 498,753,000 | 515,487,000 | 509,562,000 | 506,291,000 |
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