Call reports 2015
UNION COUNTY SAVINGS BANK — 2015
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,686,532,000 | 1,666,979,000 | 1,680,588,000 | 1,691,390,000 |
| Total loans | 102,434,000 | 100,061,000 | 104,108,000 | 103,421,000 |
| Allowance for loan losses | 629,000 | 629,000 | 731,000 | 819,000 |
| Securities available for sale | 11,751,000 | 11,663,000 | 10,753,000 | 10,837,000 |
| Securities held to maturity | 1,252,975,000 | 1,242,685,000 | 1,242,448,000 | 1,263,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,463,140,000 | 1,443,739,000 | 1,454,586,000 | 1,464,051,000 |
| Interest-bearing deposits | 1,437,384,000 | 1,414,942,000 | 1,426,329,000 | 1,433,767,000 |
| Noninterest-bearing deposits | 25,756,000 | 28,797,000 | 28,257,000 | 30,284,000 |
| Equity capital | 212,151,000 | 214,810,000 | 216,778,000 | 219,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,568,000 | 19,091,000 | 28,615,000 | 38,160,000 |
| Interest expense | 4,036,000 | 8,174,000 | 12,391,000 | 16,746,000 |
| Net interest income | 5,532,000 | 10,917,000 | 16,224,000 | 21,414,000 |
| Noninterest income | 81,000 | 97,000 | 107,000 | 122,000 |
| Noninterest expense | 1,757,000 | 3,587,000 | 5,394,000 | 7,291,000 |
| Provision for loan losses | 0 | 123,000 | 303,000 | 403,000 |
| Pretax income | 4,209,000 | 8,194,000 | 11,880,000 | 15,143,000 |
| Income tax | 1,347,000 | 2,622,000 | 3,802,000 | 4,846,000 |
| Net income | 2,862,000 | 5,572,000 | 8,078,000 | 10,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 210,293,000 | 213,670,000 | 216,176,000 | 218,395,000 |
| Total capital | 212,123,000 | 216,376,000 | 218,575,000 | 220,920,000 |
| Risk-weighted assets | 461,897,000 | 474,733,000 | 469,102,000 | 472,354,000 |