Call reports 2025
UNION SAVINGS BANK — 2025
What UNION SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 182,650,000 | 184,456,000 | 178,610,000 | 180,555,000 |
| Total loans | 111,213,000 | 112,980,000 | 113,219,000 | 115,211,000 |
| Allowance for loan losses | 921,000 | 912,000 | 907,000 | 903,000 |
| Securities available for sale | 50,835,000 | 49,368,000 | 49,744,000 | 48,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,650,000 | 169,825,000 | 163,057,000 | 164,492,000 |
| Interest-bearing deposits | 149,809,000 | 151,802,000 | 144,838,000 | 144,650,000 |
| Noninterest-bearing deposits | 18,841,000 | 18,023,000 | 18,219,000 | 19,842,000 |
| Equity capital | 12,346,000 | 13,072,000 | 13,630,000 | 14,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,790,000 | 3,680,000 | 5,612,000 | 7,572,000 |
| Interest expense | 540,000 | 1,058,000 | 1,558,000 | 2,032,000 |
| Net interest income | 1,250,000 | 2,622,000 | 4,054,000 | 5,540,000 |
| Noninterest income | 465,000 | 990,000 | 1,547,000 | 2,085,000 |
| Noninterest expense | 1,669,000 | 3,449,000 | 5,250,000 | 7,094,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 163,000 | 351,000 | 531,000 |
| Income tax | 7,000 | 33,000 | 81,000 | 126,000 |
| Net income | 39,000 | 130,000 | 270,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,691,000 | 16,781,000 | 16,922,000 | 17,055,000 |
| Total capital | 17,612,000 | 17,692,000 | 17,830,000 | 17,958,000 |
| Risk-weighted assets | 107,950,000 | 116,437,000 | 109,146,000 | 114,611,000 |
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