Call reports 2020
UNION SAVINGS BANK — 2020
What UNION SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 160,606,000 | 173,315,000 | 170,728,000 | 177,628,000 |
| Total loans | 110,894,000 | 115,697,000 | 120,614,000 | 117,757,000 |
| Allowance for loan losses | 818,000 | 856,000 | 895,000 | 908,000 |
| Securities available for sale | 28,174,000 | 28,408,000 | 30,100,000 | 33,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,544,000 | 154,882,000 | 152,499,000 | 159,405,000 |
| Interest-bearing deposits | 128,062,000 | 136,753,000 | 137,297,000 | 141,678,000 |
| Noninterest-bearing deposits | 14,482,000 | 18,129,000 | 15,202,000 | 17,727,000 |
| Equity capital | 16,663,000 | 16,869,000 | 16,823,000 | 16,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 2,993,000 | 4,397,000 | 5,767,000 |
| Interest expense | 240,000 | 457,000 | 667,000 | 867,000 |
| Net interest income | 1,243,000 | 2,536,000 | 3,730,000 | 4,900,000 |
| Noninterest income | 390,000 | 808,000 | 1,318,000 | 1,745,000 |
| Noninterest expense | 1,547,000 | 3,128,000 | 4,694,000 | 6,211,000 |
| Provision for loan losses | 50,000 | 100,000 | 162,000 | 207,000 |
| Pretax income | 36,000 | 116,000 | 192,000 | 465,000 |
| Income tax | 8,000 | 31,000 | 52,000 | 129,000 |
| Net income | 28,000 | 85,000 | 140,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,146,000 | 16,203,000 | 16,258,000 | 16,454,000 |
| Total capital | 16,964,000 | 17,059,000 | 17,153,000 | 17,362,000 |
| Risk-weighted assets | 97,433,000 | 100,993,000 | 101,119,000 | 105,014,000 |