Call reports 2009
UNION SAVINGS BANK — 2009
What UNION SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 162,667,000 | 162,628,000 | 157,255,000 | 161,181,000 |
| Total loans | 107,154,000 | 108,268,000 | 107,303,000 | 105,886,000 |
| Allowance for loan losses | 585,000 | 567,000 | 384,000 | 521,000 |
| Securities available for sale | 35,903,000 | 32,970,000 | 27,110,000 | 35,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,025,000 | 137,932,000 | 134,285,000 | 135,887,000 |
| Interest-bearing deposits | 124,887,000 | 124,914,000 | 123,512,000 | 124,006,000 |
| Noninterest-bearing deposits | 13,138,000 | 13,018,000 | 10,773,000 | 11,881,000 |
| Equity capital | 13,564,000 | 13,603,000 | 13,624,000 | 13,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,086,000 | 4,122,000 | 6,079,000 | 8,000,000 |
| Interest expense | 811,000 | 1,570,000 | 2,303,000 | 2,996,000 |
| Net interest income | 1,275,000 | 2,552,000 | 3,776,000 | 5,004,000 |
| Noninterest income | 546,000 | 1,081,000 | 1,421,000 | 1,788,000 |
| Noninterest expense | 1,410,000 | 3,074,000 | 4,602,000 | 6,043,000 |
| Provision for loan losses | 222,000 | 267,000 | 400,000 | 818,000 |
| Pretax income | 189,000 | 292,000 | 321,000 | 56,000 |
| Income tax | -49,000 | -14,000 | -4,000 | -95,000 |
| Net income | 238,000 | 306,000 | 325,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,683,000 | 12,837,000 | 12,951,000 | 12,869,000 |
| Total capital | 13,268,000 | 13,404,000 | 13,335,000 | 13,390,000 |
| Risk-weighted assets | 97,630,000 | 98,819,000 | 97,457,000 | 98,033,000 |
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