Call reports 2024
UNION COUNTY SAVINGS BANK — 2024
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,446,293,000 | 1,458,051,000 | 1,671,452,000 | 1,617,236,000 |
| Total loans | 247,748,000 | 254,648,000 | 257,587,000 | 273,831,000 |
| Allowance for loan losses | 1,449,000 | 1,665,000 | 1,704,000 | 1,745,000 |
| Securities available for sale | 1,080,055,000 | 1,062,417,000 | 1,108,800,000 | 1,105,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,477,541,000 | 1,499,785,000 | 1,519,920,000 | 1,515,573,000 |
| Interest-bearing deposits | 1,431,356,000 | 1,455,971,000 | 1,475,306,000 | 1,468,886,000 |
| Noninterest-bearing deposits | 46,185,000 | 43,814,000 | 44,614,000 | 46,687,000 |
| Equity capital | -35,502,000 | -45,664,000 | -3,963,000 | -52,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,177,000 | 24,962,000 | 38,484,000 | 51,490,000 |
| Interest expense | 14,659,000 | 30,282,000 | 47,230,000 | 63,421,000 |
| Net interest income | -2,482,000 | -5,320,000 | -8,746,000 | -11,931,000 |
| Noninterest income | 24,000 | 41,000 | 70,000 | 121,000 |
| Noninterest expense | 4,111,000 | 7,897,000 | 11,862,000 | 15,465,000 |
| Provision for loan losses | 29,000 | 245,000 | 284,000 | 325,000 |
| Pretax income | -6,681,000 | -13,529,000 | -21,277,000 | -28,042,000 |
| Income tax | 81,000 | 82,000 | 82,000 | 83,000 |
| Net income | -6,762,000 | -13,611,000 | -21,359,000 | -28,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,760,000 | 177,912,000 | 170,163,000 | 163,399,000 |
| Total capital | 186,237,000 | 179,629,000 | 171,942,000 | 165,207,000 |
| Risk-weighted assets | 619,301,000 | 614,924,000 | 630,672,000 | 674,745,000 |