Call reports 2025
UNION COUNTY SAVINGS BANK — 2025
What UNION COUNTY SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,577,018,000 | 1,515,212,000 | 1,504,289,000 | 1,502,562,000 |
| Total loans | 286,422,000 | 285,437,000 | 291,112,000 | 280,787,000 |
| Allowance for loan losses | 1,855,000 | 1,867,000 | 1,899,000 | 1,842,000 |
| Securities available for sale | 1,061,032,000 | 1,054,782,000 | 1,053,355,000 | 1,051,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,453,409,000 | 1,385,939,000 | 1,359,466,000 | 1,356,160,000 |
| Interest-bearing deposits | 1,403,453,000 | 1,333,993,000 | 1,311,462,000 | 1,307,568,000 |
| Noninterest-bearing deposits | 49,956,000 | 51,946,000 | 48,004,000 | 48,592,000 |
| Equity capital | -30,199,000 | -25,483,000 | -9,314,000 | -7,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,400,000 | 26,060,000 | 38,188,000 | 49,978,000 |
| Interest expense | 15,541,000 | 29,846,000 | 43,513,000 | 56,784,000 |
| Net interest income | -2,141,000 | -3,786,000 | -5,325,000 | -6,806,000 |
| Noninterest income | 20,000 | 65,000 | 216,000 | 313,000 |
| Noninterest expense | 4,309,000 | 8,210,000 | 11,887,000 | 15,529,000 |
| Provision for loan losses | 110,000 | 122,000 | 154,000 | 98,000 |
| Pretax income | -6,400,000 | -11,971,000 | -17,118,000 | -22,139,000 |
| Income tax | 0 | 1,000 | 2,000 | 2,000 |
| Net income | -6,400,000 | -11,972,000 | -17,120,000 | -22,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,997,000 | 151,426,000 | 146,278,000 | 141,257,000 |
| Total capital | 158,925,000 | 153,371,000 | 148,237,000 | 143,211,000 |
| Risk-weighted assets | 652,532,000 | 625,206,000 | 621,845,000 | 604,516,000 |