Call reports 2022
UNION COUNTY SAVINGS BANK — 2022
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,796,814,000 | 1,617,375,000 | 1,518,786,000 | 1,548,301,000 |
| Total loans | 91,874,000 | 97,007,000 | 111,088,000 | 151,085,000 |
| Allowance for loan losses | 531,000 | 567,000 | 567,000 | 718,000 |
| Securities available for sale | 1,249,447,000 | 1,100,264,000 | 1,109,751,000 | 1,134,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,642,111,000 | 1,579,674,000 | 1,546,715,000 | 1,572,475,000 |
| Interest-bearing deposits | 1,591,564,000 | 1,528,801,000 | 1,495,086,000 | 1,472,460,000 |
| Noninterest-bearing deposits | 50,547,000 | 50,873,000 | 51,629,000 | 100,015,000 |
| Equity capital | 151,541,000 | 33,166,000 | -31,607,000 | -28,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,700,000 | 15,167,000 | 24,372,000 | 34,762,000 |
| Interest expense | 2,548,000 | 5,134,000 | 8,461,000 | 14,382,000 |
| Net interest income | 5,152,000 | 10,033,000 | 15,911,000 | 20,380,000 |
| Noninterest income | 93,000 | 105,000 | 152,000 | 180,000 |
| Noninterest expense | 4,916,000 | 7,711,000 | 11,003,000 | 14,452,000 |
| Provision for loan losses | 442,000 | 478,000 | 478,000 | 636,000 |
| Pretax income | -9,927,000 | -27,001,000 | -24,583,000 | -23,172,000 |
| Income tax | -3,181,000 | 35,488,000 | 36,119,000 | 36,118,000 |
| Net income | -6,746,000 | -62,489,000 | -60,702,000 | -59,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 256,992,000 | 201,182,000 | 202,969,000 | 204,345,000 |
| Total capital | 257,523,000 | 201,749,000 | 203,536,000 | 205,063,000 |
| Risk-weighted assets | 537,328,000 | 501,715,000 | 524,737,000 | 578,146,000 |