Call reports 2023
UNION COUNTY SAVINGS BANK — 2023
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,517,081,000 | 1,475,988,000 | 1,400,237,000 | 1,425,543,000 |
| Total loans | 166,456,000 | 178,018,000 | 194,623,000 | 220,376,000 |
| Allowance for loan losses | 782,000 | 1,220,000 | 1,277,000 | 1,420,000 |
| Securities available for sale | 1,164,381,000 | 1,124,928,000 | 1,083,183,000 | 1,113,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,533,528,000 | 1,499,150,000 | 1,464,780,000 | 1,449,693,000 |
| Interest-bearing deposits | 1,481,775,000 | 1,449,288,000 | 1,414,286,000 | 1,400,548,000 |
| Noninterest-bearing deposits | 51,753,000 | 49,862,000 | 50,494,000 | 49,145,000 |
| Equity capital | -25,057,000 | -31,700,000 | -72,627,000 | -29,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 11,501,000 | 23,508,000 | 35,805,000 | 47,804,000 |
| Interest expense | 8,946,000 | 19,479,000 | 31,473,000 | 44,984,000 |
| Net interest income | 2,555,000 | 4,029,000 | 4,332,000 | 2,820,000 |
| Noninterest income | 34,000 | 895,000 | 919,000 | 1,298,000 |
| Noninterest expense | 4,934,000 | 8,436,000 | 12,274,000 | 16,064,000 |
| Provision for loan losses | 139,000 | 228,000 | 472,000 | 649,000 |
| Pretax income | -3,343,000 | -4,535,000 | -8,280,000 | -12,451,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | -3,343,000 | -4,536,000 | -8,282,000 | -12,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 201,037,000 | 199,439,000 | 195,694,000 | 191,521,000 |
| Total capital | 201,819,000 | 200,659,000 | 197,015,000 | 193,019,000 |
| Risk-weighted assets | 605,599,000 | 591,278,000 | 605,413,000 | 611,762,000 |