Call reports 2013
UNION COUNTY SAVINGS BANK — 2013
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,604,763,000 | 1,624,599,000 | 1,656,444,000 | 1,659,602,000 |
| Total loans | 105,773,000 | 102,534,000 | 101,951,000 | 104,846,000 |
| Allowance for loan losses | 629,000 | 629,000 | 629,000 | 629,000 |
| Securities available for sale | 10,358,000 | 10,394,000 | 9,941,000 | 10,220,000 |
| Securities held to maturity | 1,125,765,000 | 1,163,656,000 | 1,203,884,000 | 1,220,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,398,577,000 | 1,414,659,000 | 1,443,427,000 | 1,449,222,000 |
| Interest-bearing deposits | 1,375,628,000 | 1,390,280,000 | 1,417,708,000 | 1,424,023,000 |
| Noninterest-bearing deposits | 22,949,000 | 24,379,000 | 25,719,000 | 25,199,000 |
| Equity capital | 194,716,000 | 198,033,000 | 201,250,000 | 197,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,506,000 | 17,901,000 | 27,013,000 | 35,659,000 |
| Interest expense | 3,980,000 | 7,875,000 | 11,773,000 | 15,704,000 |
| Net interest income | 4,526,000 | 10,026,000 | 15,240,000 | 19,955,000 |
| Noninterest income | 91,000 | 128,000 | 181,000 | 230,000 |
| Noninterest expense | 2,415,000 | 4,206,000 | 5,988,000 | 7,693,000 |
| Provision for loan losses | 0 | 0 | 0 | 38,000 |
| Pretax income | 2,955,000 | 6,913,000 | 10,398,000 | 13,427,000 |
| Income tax | 950,000 | 1,613,000 | 1,613,000 | 4,297,000 |
| Net income | 2,005,000 | 5,300,000 | 8,785,000 | 9,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 192,758,000 | 196,054,000 | 199,538,000 | 195,627,000 |
| Total capital | 194,877,000 | 198,189,000 | 201,469,000 | 197,684,000 |
| Risk-weighted assets | 433,861,000 | 439,168,000 | 445,696,000 | 440,227,000 |