Call reports 2015
UNION SAVINGS BANK — 2015
What UNION SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 159,246,000 | 152,268,000 | 150,748,000 | 155,735,000 |
| Total loans | 99,390,000 | 102,962,000 | 101,819,000 | 100,078,000 |
| Allowance for loan losses | 1,419,000 | 1,259,000 | 1,232,000 | 1,129,000 |
| Securities available for sale | 37,785,000 | 34,496,000 | 32,203,000 | 35,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,429,000 | 136,819,000 | 134,947,000 | 139,946,000 |
| Interest-bearing deposits | 128,884,000 | 124,437,000 | 123,948,000 | 126,288,000 |
| Noninterest-bearing deposits | 14,545,000 | 12,382,000 | 10,999,000 | 13,658,000 |
| Equity capital | 14,114,000 | 13,964,000 | 14,146,000 | 14,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,321,000 | 2,696,000 | 4,044,000 | 5,417,000 |
| Interest expense | 186,000 | 355,000 | 518,000 | 680,000 |
| Net interest income | 1,135,000 | 2,341,000 | 3,526,000 | 4,737,000 |
| Noninterest income | 372,000 | 774,000 | 1,166,000 | 1,552,000 |
| Noninterest expense | 1,449,000 | 2,960,000 | 4,432,000 | 5,904,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 28,000 | 95,000 | 170,000 | 265,000 |
| Income tax | -46,000 | -38,000 | -30,000 | -15,000 |
| Net income | 74,000 | 133,000 | 200,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,856,000 | 13,885,000 | 13,927,000 | 13,982,000 |
| Total capital | 15,169,000 | 15,144,000 | 15,159,000 | 15,111,000 |
| Risk-weighted assets | 104,968,000 | 150,751,000 | 141,455,000 | 143,718,000 |