Call reports 2004
UNION SAVINGS BANK — 2004
What UNION SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,377,981,000 | 1,420,563,000 | 1,472,125,000 | 1,461,273,000 |
| Total loans | 878,161,000 | 930,851,000 | 950,883,000 | 988,177,000 |
| Allowance for loan losses | 7,835,000 | 7,816,000 | 7,879,000 | 7,711,000 |
| Securities available for sale | 141,989,000 | 145,099,000 | 148,783,000 | 133,617,000 |
| Securities held to maturity | 232,961,000 | 223,506,000 | 257,123,000 | 241,816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 904,220,000 | 932,197,000 | 943,802,000 | 945,585,000 |
| Interest-bearing deposits | 887,570,000 | 915,441,000 | 926,049,000 | 927,063,000 |
| Noninterest-bearing deposits | 16,650,000 | 16,756,000 | 17,753,000 | 18,522,000 |
| Equity capital | 125,497,000 | 126,301,000 | 130,779,000 | 131,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 17,154,000 | 34,481,000 | 52,468,000 | 71,132,000 |
| Interest expense | 5,713,000 | 11,380,000 | 17,352,000 | 23,576,000 |
| Net interest income | 11,441,000 | 23,101,000 | 35,116,000 | 47,556,000 |
| Noninterest income | 1,327,000 | 2,628,000 | 4,131,000 | 5,563,000 |
| Noninterest expense | 8,426,000 | 16,337,000 | 24,474,000 | 32,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,375,000 | 9,429,000 | 14,707,000 | 20,109,000 |
| Income tax | 1,417,000 | 3,065,000 | 4,786,000 | 6,625,000 |
| Net income | 2,958,000 | 6,364,000 | 9,921,000 | 13,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,463,000 | 122,869,000 | 125,195,000 | 126,153,000 |
| Total capital | 127,298,000 | 130,685,000 | 133,074,000 | 133,864,000 |
| Risk-weighted assets | 803,967,000 | 854,958,000 | 873,111,000 | 889,466,000 |