Call reports 2018
UNION SAVINGS BANK — 2018
What UNION SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 161,275,000 | 158,800,000 | 153,950,000 | 154,942,000 |
| Total loans | 111,370,000 | 112,683,000 | 109,850,000 | 110,370,000 |
| Allowance for loan losses | 984,000 | 948,000 | 947,000 | 930,000 |
| Securities available for sale | 32,870,000 | 32,729,000 | 24,595,000 | 25,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,117,000 | 140,632,000 | 136,614,000 | 137,957,000 |
| Interest-bearing deposits | 126,260,000 | 126,027,000 | 124,026,000 | 125,543,000 |
| Noninterest-bearing deposits | 15,857,000 | 14,605,000 | 12,588,000 | 12,414,000 |
| Equity capital | 14,444,000 | 14,564,000 | 14,641,000 | 15,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,961,000 | 4,453,000 | 5,924,000 |
| Interest expense | 167,000 | 349,000 | 554,000 | 768,000 |
| Net interest income | 1,287,000 | 2,612,000 | 3,899,000 | 5,156,000 |
| Noninterest income | 411,000 | 797,000 | 1,212,000 | 1,598,000 |
| Noninterest expense | 1,422,000 | 2,843,000 | 4,304,000 | 5,743,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 231,000 | 521,000 | 776,000 | 980,000 |
| Income tax | 24,000 | 91,000 | 150,000 | 199,000 |
| Net income | 207,000 | 430,000 | 626,000 | 781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,976,000 | 15,197,000 | 15,393,000 | 15,548,000 |
| Total capital | 15,960,000 | 16,145,000 | 16,340,000 | 16,478,000 |
| Risk-weighted assets | 101,397,000 | 102,894,000 | 98,175,000 | 97,556,000 |