Call reports 2013
UNION FEDERAL SAVINGS BANK — 2013
What UNION FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,077,000 | 190,749,000 | 193,883,000 | 187,755,000 |
| Total loans | 75,653,000 | 76,922,000 | 86,161,000 | 90,101,000 |
| Allowance for loan losses | 1,106,000 | 1,050,000 | 1,161,000 | 1,001,000 |
| Securities available for sale | 83,898,000 | 84,782,000 | 80,311,000 | 76,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,917,000 | 167,651,000 | 169,564,000 | 163,318,000 |
| Interest-bearing deposits | 167,895,000 | 167,620,000 | 169,537,000 | 163,305,000 |
| Noninterest-bearing deposits | 40,022,000 | 31,000 | 27,000 | 13,000 |
| Equity capital | 22,729,000 | 21,560,000 | 22,528,000 | 22,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,930,000 | 4,508,000 | 6,213,000 |
| Interest expense | 386,000 | 774,000 | 1,155,000 | 1,527,000 |
| Net interest income | 1,049,000 | 2,156,000 | 3,353,000 | 4,686,000 |
| Noninterest income | 116,000 | 187,000 | 280,000 | 309,000 |
| Noninterest expense | 580,000 | 1,258,000 | 1,910,000 | 2,369,000 |
| Provision for loan losses | 152,000 | 334,000 | 445,000 | 285,000 |
| Pretax income | 433,000 | 751,000 | 1,278,000 | 2,341,000 |
| Income tax | 25,000 | 0 | -9,000 | -4,000 |
| Net income | 408,000 | 751,000 | 1,287,000 | 2,345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,959,000 | 22,302,000 | 23,287,000 | 24,346,000 |
| Total capital | 22,055,000 | 22,985,000 | 24,100,000 | 25,035,000 |
| Risk-weighted assets | 85,338,000 | 88,533,000 | 96,390,000 | 98,976,000 |