Call reports 2012
UNION FEDERAL SAVINGS BANK — 2012
What UNION FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 132,420,000 | 142,266,000 | 164,024,000 | 191,160,000 |
| Total loans | 40,476,000 | 41,924,000 | 56,115,000 | 62,270,000 |
| Allowance for loan losses | 929,000 | 780,000 | 890,000 | 960,000 |
| Securities available for sale | 70,841,000 | 68,598,000 | 74,130,000 | 80,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,429,000 | 124,997,000 | 143,824,000 | 169,870,000 |
| Interest-bearing deposits | 75,120,000 | 84,789,000 | 103,808,000 | 129,822,000 |
| Noninterest-bearing deposits | 40,309,000 | 40,208,000 | 40,016,000 | 40,048,000 |
| Equity capital | 16,009,000 | 16,254,000 | 19,142,000 | 19,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,680,000 | 2,714,000 | 3,961,000 |
| Interest expense | 161,000 | 355,000 | 596,000 | 906,000 |
| Net interest income | 607,000 | 1,325,000 | 2,118,000 | 3,055,000 |
| Noninterest income | 66,000 | 108,000 | 195,000 | 277,000 |
| Noninterest expense | 534,000 | 1,116,000 | 1,747,000 | 2,591,000 |
| Provision for loan losses | 5,000 | 68,000 | 178,000 | 292,000 |
| Pretax income | 134,000 | 249,000 | 388,000 | 449,000 |
| Income tax | 0 | 0 | 0 | 44,000 |
| Net income | 134,000 | 249,000 | 388,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,529,000 | 15,644,000 | 18,033,000 | 18,051,000 |
| Total capital | 15,951,000 | 15,884,000 | 18,203,000 | 18,143,000 |
| Risk-weighted assets | 48,269,000 | 50,010,000 | 64,331,000 | 71,598,000 |