Call reports 2021
UNION SAVINGS BANK — 2021
What UNION SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 190,561,000 | 188,413,000 | 186,847,000 | 194,863,000 |
| Total loans | 115,853,000 | 114,632,000 | 110,263,000 | 110,314,000 |
| Allowance for loan losses | 939,000 | 938,000 | 939,000 | 902,000 |
| Securities available for sale | 43,434,000 | 50,316,000 | 55,705,000 | 63,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,218,000 | 169,876,000 | 169,352,000 | 177,792,000 |
| Interest-bearing deposits | 151,776,000 | 150,491,000 | 151,565,000 | 157,113,000 |
| Noninterest-bearing deposits | 21,442,000 | 19,385,000 | 17,787,000 | 20,679,000 |
| Equity capital | 16,052,000 | 16,394,000 | 16,314,000 | 15,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,318,000 | 2,665,000 | 3,986,000 | 5,288,000 |
| Interest expense | 180,000 | 343,000 | 491,000 | 631,000 |
| Net interest income | 1,138,000 | 2,322,000 | 3,495,000 | 4,657,000 |
| Noninterest income | 466,000 | 1,031,000 | 1,491,000 | 1,958,000 |
| Noninterest expense | 1,535,000 | 3,190,000 | 4,773,000 | 6,319,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 49,000 | 143,000 | 193,000 | 276,000 |
| Income tax | 12,000 | 37,000 | 47,000 | 67,000 |
| Net income | 37,000 | 106,000 | 146,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,488,000 | 16,556,000 | 16,596,000 | 16,660,000 |
| Total capital | 17,427,000 | 17,494,000 | — | 17,562,000 |
| Risk-weighted assets | 102,769,000 | 105,173,000 | — | 107,641,000 |
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