Call reports 2019
UNION SAVINGS BANK — 2019
What UNION SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 157,967,000 | 154,937,000 | 151,825,000 | 154,500,000 |
| Total loans | 111,279,000 | 109,323,000 | 110,725,000 | 109,443,000 |
| Allowance for loan losses | 876,000 | 846,000 | 827,000 | 823,000 |
| Securities available for sale | 25,379,000 | 24,726,000 | 29,239,000 | 29,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,177,000 | 137,821,000 | 134,557,000 | 137,053,000 |
| Interest-bearing deposits | 126,568,000 | 124,510,000 | 121,483,000 | 123,759,000 |
| Noninterest-bearing deposits | 14,609,000 | 13,311,000 | 13,074,000 | 13,294,000 |
| Equity capital | 15,515,000 | 15,916,000 | 16,067,000 | 16,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,488,000 | 3,025,000 | 4,533,000 | 6,041,000 |
| Interest expense | 219,000 | 447,000 | 683,000 | 923,000 |
| Net interest income | 1,269,000 | 2,578,000 | 3,850,000 | 5,118,000 |
| Noninterest income | 398,000 | 785,000 | 1,187,000 | 1,581,000 |
| Noninterest expense | 1,425,000 | 2,891,000 | 4,358,000 | 5,900,000 |
| Provision for loan losses | 0 | 0 | 0 | 32,000 |
| Pretax income | 242,000 | 472,000 | 679,000 | 767,000 |
| Income tax | 60,000 | 117,000 | 169,000 | 190,000 |
| Net income | 182,000 | 355,000 | 510,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,726,000 | 15,899,000 | 16,054,000 | 16,123,000 |
| Total capital | 16,602,000 | 16,745,000 | 16,881,000 | 16,946,000 |
| Risk-weighted assets | 103,109,000 | 100,898,000 | 96,711,000 | 100,346,000 |
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