Call reports 2014
UNION COUNTY SAVINGS BANK — 2014
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,666,279,000 | 1,663,210,000 | 1,696,970,000 | 1,682,056,000 |
| Total loans | 103,894,000 | 106,119,000 | 104,358,000 | 103,289,000 |
| Allowance for loan losses | 629,000 | 629,000 | 505,000 | 629,000 |
| Securities available for sale | 10,908,000 | 11,036,000 | 11,299,000 | 11,697,000 |
| Securities held to maturity | 1,228,230,000 | 1,241,170,000 | 1,259,251,000 | 1,262,224,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,454,707,000 | 1,449,982,000 | 1,477,939,000 | 1,463,683,000 |
| Interest-bearing deposits | 1,428,602,000 | 1,423,895,000 | 1,452,089,000 | 1,438,952,000 |
| Noninterest-bearing deposits | 26,105,000 | 26,087,000 | 25,850,000 | 24,731,000 |
| Equity capital | 201,015,000 | 203,714,000 | 206,258,000 | 209,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,275,000 | 18,709,000 | 28,301,000 | 37,818,000 |
| Interest expense | 3,827,000 | 7,707,000 | 11,708,000 | 15,837,000 |
| Net interest income | 5,448,000 | 11,002,000 | 16,593,000 | 21,981,000 |
| Noninterest income | 111,000 | 169,000 | 212,000 | 228,000 |
| Noninterest expense | 2,251,000 | 4,083,000 | 6,221,000 | 8,101,000 |
| Provision for loan losses | 0 | 0 | 0 | 124,000 |
| Pretax income | 3,384,000 | 7,241,000 | 10,754,000 | 14,260,000 |
| Income tax | 1,083,000 | 2,317,000 | 3,441,000 | 4,563,000 |
| Net income | 2,301,000 | 4,924,000 | 7,313,000 | 9,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 201,020,000 | 203,644,000 | 206,032,000 | 208,417,000 |
| Total capital | 203,386,000 | 206,068,000 | 208,450,000 | 211,139,000 |
| Risk-weighted assets | 443,477,000 | 446,600,000 | 447,391,000 | 449,470,000 |