Call reports 2016
UNION COUNTY SAVINGS BANK — 2016
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,729,199,000 | 1,743,385,000 | 1,765,423,000 | 1,770,349,000 |
| Total loans | 103,095,000 | 104,553,000 | 102,791,000 | 104,674,000 |
| Allowance for loan losses | 719,000 | 754,000 | 753,000 | 753,000 |
| Securities available for sale | 10,636,000 | 10,469,000 | 10,835,000 | 11,690,000 |
| Securities held to maturity | 1,290,175,000 | 1,319,392,000 | 1,318,032,000 | 1,340,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,497,742,000 | 1,508,979,000 | 1,525,752,000 | 1,528,673,000 |
| Interest-bearing deposits | 1,467,972,000 | 1,478,635,000 | 1,494,710,000 | 1,497,081,000 |
| Noninterest-bearing deposits | 29,770,000 | 30,344,000 | 31,042,000 | 31,592,000 |
| Equity capital | 221,586,000 | 221,476,000 | 224,431,000 | 227,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,841,000 | 19,720,000 | 29,692,000 | 39,769,000 |
| Interest expense | 4,466,000 | 9,035,000 | 13,693,000 | 18,405,000 |
| Net interest income | 5,375,000 | 10,685,000 | 15,999,000 | 21,364,000 |
| Noninterest income | 76,000 | 91,000 | 105,000 | 118,000 |
| Noninterest expense | 2,579,000 | 4,615,000 | 6,489,000 | 8,365,000 |
| Provision for loan losses | 0 | 35,000 | 70,000 | 90,000 |
| Pretax income | 3,911,000 | 9,847,000 | 14,610,000 | 18,125,000 |
| Income tax | 1,252,000 | 3,151,000 | 5,175,000 | 6,400,000 |
| Net income | 2,659,000 | 6,696,000 | 9,435,000 | 11,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 221,054,000 | 223,280,000 | 226,019,000 | 229,029,000 |
| Total capital | 223,388,000 | 225,574,000 | 228,477,000 | 231,871,000 |
| Risk-weighted assets | 476,290,000 | 479,621,000 | 483,084,000 | 495,925,000 |