Call reports 2019
ULSTER SAVINGS BANK — 2019
What ULSTER SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 893,389,000 | 916,322,000 | 944,797,000 | 956,434,000 |
| Total loans | 736,027,000 | 761,296,000 | 787,847,000 | 803,337,000 |
| Allowance for loan losses | 8,637,000 | 8,958,000 | 9,008,000 | 8,950,000 |
| Securities available for sale | 71,090,000 | 68,329,000 | 68,444,000 | 67,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 778,320,000 | 798,625,000 | 821,011,000 | 837,504,000 |
| Interest-bearing deposits | 662,025,000 | 674,894,000 | 684,089,000 | 709,926,000 |
| Noninterest-bearing deposits | 116,295,000 | 123,731,000 | 136,922,000 | 127,578,000 |
| Equity capital | 100,052,000 | 101,880,000 | 102,867,000 | 105,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,559,000 | 17,418,000 | 26,545,000 | 35,872,000 |
| Interest expense | 1,312,000 | 2,906,000 | 4,597,000 | 6,339,000 |
| Net interest income | 7,247,000 | 14,512,000 | 21,948,000 | 29,533,000 |
| Noninterest income | 3,488,000 | 7,040,000 | 10,543,000 | 16,362,000 |
| Noninterest expense | 9,238,000 | 18,194,000 | 26,949,000 | 36,523,000 |
| Provision for loan losses | 376,000 | 777,000 | 777,000 | 940,000 |
| Pretax income | 1,176,000 | 2,684,000 | 5,915,000 | 9,582,000 |
| Income tax | 276,000 | 649,000 | 2,336,000 | 2,773,000 |
| Net income | 900,000 | 2,035,000 | 3,579,000 | 6,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,479,000 | 96,618,000 | 98,251,000 | 102,437,000 |
| Total capital | 103,625,000 | 105,078,000 | 107,003,000 | 111,194,000 |
| Risk-weighted assets | 651,209,000 | 676,316,000 | 699,957,000 | 700,388,000 |
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