Call reports 2015
ULSTER SAVINGS BANK — 2015
What ULSTER SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 760,678,000 | 760,301,000 | 764,352,000 | 767,158,000 |
| Total loans | 549,629,000 | 556,388,000 | 567,755,000 | 560,588,000 |
| Allowance for loan losses | 8,724,000 | 8,296,000 | 8,147,000 | 7,316,000 |
| Securities available for sale | 107,082,000 | 98,944,000 | 96,069,000 | 91,078,000 |
| Securities held to maturity | 14,041,000 | 13,234,000 | 12,677,000 | 12,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 627,307,000 | 641,470,000 | 638,576,000 | 651,913,000 |
| Interest-bearing deposits | 554,329,000 | 567,334,000 | 558,205,000 | 575,981,000 |
| Noninterest-bearing deposits | 72,978,000 | 74,136,000 | 80,371,000 | 75,932,000 |
| Equity capital | 95,523,000 | 95,349,000 | 95,899,000 | 91,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,741,000 | 13,315,000 | 20,099,000 | 27,027,000 |
| Interest expense | 649,000 | 1,313,000 | 2,014,000 | 2,720,000 |
| Net interest income | 6,092,000 | 12,002,000 | 18,085,000 | 24,307,000 |
| Noninterest income | 3,967,000 | 8,137,000 | 11,746,000 | 15,052,000 |
| Noninterest expense | 8,981,000 | 18,840,000 | 27,803,000 | 37,603,000 |
| Provision for loan losses | 4,021,000 | 3,883,000 | 4,442,000 | 9,832,000 |
| Pretax income | -2,897,000 | -2,538,000 | -2,368,000 | -8,032,000 |
| Income tax | -1,034,000 | -961,000 | -952,000 | -3,221,000 |
| Net income | -1,863,000 | -1,577,000 | -1,416,000 | -4,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,325,000 | 93,578,000 | 93,739,000 | 88,023,000 |
| Total capital | 100,982,000 | 100,274,000 | 100,603,000 | 94,682,000 |
| Risk-weighted assets | 526,894,000 | 532,581,000 | 546,113,000 | 529,581,000 |