Call reports 2025
ULSTER SAVINGS BANK — 2025
What ULSTER SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,354,366,000 | 1,381,843,000 | 1,387,787,000 | 1,383,907,000 |
| Total loans | 1,014,878,000 | 1,018,085,000 | 1,023,315,000 | 1,056,727,000 |
| Allowance for loan losses | 11,825,000 | 11,814,000 | 11,749,000 | 11,439,000 |
| Securities available for sale | 171,303,000 | 174,165,000 | 172,718,000 | 167,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,200,272,000 | 1,223,991,000 | 1,224,768,000 | 1,223,138,000 |
| Interest-bearing deposits | 998,693,000 | 1,013,352,000 | 1,012,574,000 | 1,010,873,000 |
| Noninterest-bearing deposits | 201,579,000 | 210,639,000 | 212,194,000 | 212,265,000 |
| Equity capital | 111,941,000 | 114,490,000 | 118,071,000 | 121,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,410,000 | 29,359,000 | 44,668,000 | 60,196,000 |
| Interest expense | 5,639,000 | 11,186,000 | 16,665,000 | 21,975,000 |
| Net interest income | 8,771,000 | 18,173,000 | 28,003,000 | 38,221,000 |
| Noninterest income | 4,040,000 | 7,739,000 | 11,706,000 | 15,345,000 |
| Noninterest expense | 11,627,000 | 23,071,000 | 34,757,000 | 46,573,000 |
| Provision for loan losses | -51,000 | -28,000 | 50,000 | -200,000 |
| Pretax income | 1,184,000 | 2,841,000 | 4,952,000 | 7,401,000 |
| Income tax | 212,000 | 519,000 | 924,000 | 1,437,000 |
| Net income | 972,000 | 2,322,000 | 4,028,000 | 5,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,642,000 | 129,991,000 | 131,698,000 | 133,617,000 |
| Total capital | 140,490,000 | 141,875,000 | 143,530,000 | 145,491,000 |
| Risk-weighted assets | 947,228,000 | 950,169,000 | 946,119,000 | 965,271,000 |