Call reports 2016
UNION SAVINGS BANK — 2016
What UNION SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 159,078,000 | 156,356,000 | 154,811,000 | 155,778,000 |
| Total loans | 98,034,000 | 98,388,000 | 101,283,000 | 104,366,000 |
| Allowance for loan losses | 1,108,000 | 1,010,000 | 932,000 | 874,000 |
| Securities available for sale | 41,044,000 | 38,084,000 | 33,826,000 | 36,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,941,000 | 141,043,000 | 139,584,000 | 141,081,000 |
| Interest-bearing deposits | 127,231,000 | 125,584,000 | 126,804,000 | 127,703,000 |
| Noninterest-bearing deposits | 16,710,000 | 15,459,000 | 12,780,000 | 13,378,000 |
| Equity capital | 14,366,000 | 14,544,000 | 14,514,000 | 14,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,400,000 | 2,802,000 | 4,188,000 | 5,574,000 |
| Interest expense | 153,000 | 307,000 | 460,000 | 608,000 |
| Net interest income | 1,247,000 | 2,495,000 | 3,728,000 | 4,966,000 |
| Noninterest income | 419,000 | 796,000 | 1,194,000 | 1,645,000 |
| Noninterest expense | 1,515,000 | 3,030,000 | 4,587,000 | 6,105,000 |
| Provision for loan losses | 40,000 | 70,000 | 100,000 | 185,000 |
| Pretax income | 111,000 | 191,000 | 235,000 | 321,000 |
| Income tax | 18,000 | 24,000 | 16,000 | 26,000 |
| Net income | 93,000 | 167,000 | 219,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,046,000 | 14,120,000 | 14,171,000 | 13,819,000 |
| Total capital | 15,154,000 | 15,130,000 | 15,103,000 | 14,693,000 |
| Risk-weighted assets | 124,235,000 | 122,034,000 | 122,287,000 | 124,840,000 |