Call reports 2019
UNION COUNTY SAVINGS BANK — 2019
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,765,851,000 | 1,761,660,000 | 1,769,729,000 | 1,789,653,000 |
| Total loans | 110,268,000 | 109,959,000 | 108,564,000 | 107,422,000 |
| Allowance for loan losses | 706,000 | 706,000 | 706,000 | 706,000 |
| Securities available for sale | 10,210,000 | 10,637,000 | 10,847,000 | 11,399,000 |
| Securities held to maturity | 1,360,326,000 | 1,367,371,000 | 1,352,770,000 | 1,346,198,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,501,588,000 | 1,493,184,000 | 1,502,096,000 | 1,520,934,000 |
| Interest-bearing deposits | 1,467,160,000 | 1,459,840,000 | 1,469,964,000 | 1,480,485,000 |
| Noninterest-bearing deposits | 34,428,000 | 33,344,000 | 32,132,000 | 40,449,000 |
| Equity capital | 247,382,000 | 248,625,000 | 249,589,000 | 250,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,384,000 | 22,861,000 | 34,167,000 | 44,959,000 |
| Interest expense | 7,701,000 | 15,956,000 | 24,550,000 | 32,979,000 |
| Net interest income | 3,683,000 | 6,905,000 | 9,617,000 | 11,980,000 |
| Noninterest income | 74,000 | 85,000 | 96,000 | 105,000 |
| Noninterest expense | 1,864,000 | 3,765,000 | 5,430,000 | 7,125,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,893,000 | 3,231,000 | 4,391,000 | 5,301,000 |
| Income tax | 567,000 | 969,000 | 1,317,000 | 1,590,000 |
| Net income | 1,326,000 | 2,262,000 | 3,074,000 | 3,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 247,234,000 | 248,170,000 | 248,983,000 | 249,620,000 |
| Total capital | 250,248,000 | 251,376,000 | 252,284,000 | 253,169,000 |
| Risk-weighted assets | 492,603,000 | 499,953,000 | 487,797,000 | 480,797,000 |