Call reports 2008
UNION SAVINGS BANK — 2008
What UNION SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,488,000 | 155,029,000 | 154,014,000 | 159,823,000 |
| Total loans | 105,230,000 | 107,950,000 | 111,928,000 | 110,895,000 |
| Allowance for loan losses | 378,000 | 406,000 | 414,000 | 410,000 |
| Securities available for sale | 23,879,000 | 30,194,000 | 25,216,000 | 20,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,551,000 | 133,104,000 | 129,053,000 | 134,538,000 |
| Interest-bearing deposits | 120,707,000 | 121,523,000 | 118,483,000 | 122,860,000 |
| Noninterest-bearing deposits | 12,844,000 | 11,581,000 | 10,570,000 | 11,678,000 |
| Equity capital | 13,066,000 | 12,969,000 | 12,959,000 | 13,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,112,000 | 4,219,000 | 6,337,000 | 8,405,000 |
| Interest expense | 970,000 | 1,860,000 | 2,742,000 | 3,615,000 |
| Net interest income | 1,142,000 | 2,359,000 | 3,595,000 | 4,790,000 |
| Noninterest income | 306,000 | 619,000 | 902,000 | 1,271,000 |
| Noninterest expense | 1,375,000 | 2,722,000 | 4,090,000 | 5,477,000 |
| Provision for loan losses | 25,000 | 61,000 | 93,000 | 122,000 |
| Pretax income | 48,000 | 195,000 | 339,000 | 487,000 |
| Income tax | 8,000 | 59,000 | 107,000 | 157,000 |
| Net income | 40,000 | 136,000 | 232,000 | 330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,722,000 | 11,942,000 | 12,163,000 | 12,366,000 |
| Total capital | 12,100,000 | 12,348,000 | 12,577,000 | 12,776,000 |
| Risk-weighted assets | 91,242,000 | 93,709,000 | 97,300,000 | 98,222,000 |
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