Call reports 2002
UNION SAVINGS BANK — 2002
What UNION SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,046,647,000 | 1,094,438,000 | 1,122,657,000 | 1,154,010,000 |
| Total loans | 712,612,000 | 730,406,000 | 740,958,000 | 754,903,000 |
| Allowance for loan losses | 6,742,000 | 7,071,000 | 7,424,000 | 7,757,000 |
| Securities available for sale | 66,948,000 | 87,026,000 | 123,499,000 | 122,233,000 |
| Securities held to maturity | 184,792,000 | 171,025,000 | 160,182,000 | 164,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 753,998,000 | 786,885,000 | 799,609,000 | 832,027,000 |
| Interest-bearing deposits | 737,668,000 | 770,942,000 | 786,346,000 | 815,825,000 |
| Noninterest-bearing deposits | 16,330,000 | 15,943,000 | 13,263,000 | 16,202,000 |
| Equity capital | 101,484,000 | 104,589,000 | 108,012,000 | 110,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 16,263,000 | 32,833,000 | 49,835,000 | 66,892,000 |
| Interest expense | 6,233,000 | 12,500,000 | 18,772,000 | 24,871,000 |
| Net interest income | 10,030,000 | 20,333,000 | 31,063,000 | 42,021,000 |
| Noninterest income | 838,000 | 1,728,000 | 2,622,000 | 3,754,000 |
| Noninterest expense | 6,857,000 | 13,894,000 | 21,123,000 | 29,530,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 3,702,000 | 7,585,000 | 11,599,000 | 15,051,000 |
| Income tax | 1,377,000 | 2,834,000 | 4,363,000 | 5,649,000 |
| Net income | 2,325,000 | 4,751,000 | 7,236,000 | 9,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,814,000 | 97,676,000 | 100,598,000 | 102,669,000 |
| Total capital | 101,556,000 | 104,747,000 | 108,022,000 | 110,426,000 |
| Risk-weighted assets | 651,542,000 | 667,257,000 | 675,352,000 | 705,201,000 |