Call reports 2012
UNION SAVINGS BANK — 2012
What UNION 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 | 65,777,000 | 61,737,000 | 63,035,000 | 61,530,000 |
| Total loans | 36,360,000 | 36,504,000 | 36,634,000 | 37,530,000 |
| Allowance for loan losses | 702,000 | 682,000 | 685,000 | 680,000 |
| Securities available for sale | 22,909,000 | 16,150,000 | 18,597,000 | 15,911,000 |
| Securities held to maturity | 1,823,000 | 1,431,000 | 1,695,000 | 1,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,288,000 | 52,725,000 | 54,529,000 | 52,571,000 |
| Interest-bearing deposits | 45,932,000 | 45,444,000 | 47,248,000 | 45,991,000 |
| Noninterest-bearing deposits | 7,356,000 | 7,281,000 | 7,281,000 | 6,580,000 |
| Equity capital | 7,849,000 | 7,838,000 | 7,326,000 | 7,331,000 |
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 | 714,000 | 1,417,000 | 2,100,000 | 2,812,000 |
| Interest expense | 135,000 | 262,000 | 384,000 | 505,000 |
| Net interest income | 579,000 | 1,155,000 | 1,716,000 | 2,307,000 |
| Noninterest income | 14,000 | -95,000 | 29,000 | 40,000 |
| Noninterest expense | 456,000 | 928,000 | 1,502,000 | 1,975,000 |
| Provision for loan losses | 19,000 | 19,000 | 22,000 | 21,000 |
| Pretax income | 118,000 | 105,000 | 213,000 | 343,000 |
| Income tax | 47,000 | 45,000 | 89,000 | 125,000 |
| Net income | 71,000 | 60,000 | 124,000 | 218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,544,000 | 7,476,000 | 6,941,000 | 6,724,000 |
| Total capital | 8,034,000 | 7,942,000 | 7,415,000 | 7,194,000 |
| Risk-weighted assets | 38,953,000 | 37,071,000 | 37,681,000 | 37,493,000 |
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