Call reports 2014
UNION SAVINGS BANK — 2014
What UNION SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 164,538,000 | 162,593,000 | 155,383,000 | 153,588,000 |
| Total loans | 102,982,000 | 104,082,000 | 101,996,000 | 100,308,000 |
| Allowance for loan losses | 1,634,000 | 1,667,000 | 1,787,000 | 1,906,000 |
| Securities available for sale | 45,356,000 | 43,940,000 | 41,380,000 | 33,827,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,478,000 | 144,067,000 | 137,639,000 | 137,916,000 |
| Interest-bearing deposits | 132,612,000 | 132,392,000 | 126,569,000 | 126,132,000 |
| Noninterest-bearing deposits | 13,866,000 | 11,675,000 | 11,070,000 | 11,784,000 |
| Equity capital | 13,326,000 | 13,850,000 | 13,990,000 | 14,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 2,903,000 | 4,327,000 | 5,696,000 |
| Interest expense | 245,000 | 483,000 | 712,000 | 918,000 |
| Net interest income | 1,225,000 | 2,420,000 | 3,615,000 | 4,778,000 |
| Noninterest income | 311,000 | 685,000 | 1,195,000 | 1,603,000 |
| Noninterest expense | 1,581,000 | 3,044,000 | 4,456,000 | 5,910,000 |
| Provision for loan losses | 254,000 | 299,000 | 449,000 | 718,000 |
| Pretax income | -299,000 | -238,000 | -163,000 | -146,000 |
| Income tax | -69,000 | -67,000 | -65,000 | -65,000 |
| Net income | -230,000 | -171,000 | -98,000 | -81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,697,000 | 13,737,000 | 13,781,000 | 13,775,000 |
| Total capital | 15,013,000 | 15,063,000 | 15,056,000 | 14,999,000 |
| Risk-weighted assets | 104,991,000 | 105,727,000 | 101,459,000 | 97,216,000 |
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