Call reports 2005
UNION SAVINGS BANK — 2005
What UNION SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,517,807,000 | 1,541,325,000 | 1,559,173,000 | 1,587,769,000 |
| Total loans | 1,024,240,000 | 1,062,020,000 | 1,098,107,000 | 1,140,006,000 |
| Allowance for loan losses | 7,667,000 | 7,744,000 | 7,436,000 | 7,277,000 |
| Securities available for sale | 112,266,000 | 120,281,000 | 133,134,000 | 122,195,000 |
| Securities held to maturity | 230,731,000 | 214,953,000 | 203,954,000 | 195,123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 954,149,000 | 963,029,000 | 953,820,000 | 982,733,000 |
| Interest-bearing deposits | 935,886,000 | 944,421,000 | 936,205,000 | 958,658,000 |
| Noninterest-bearing deposits | 18,263,000 | 18,608,000 | 17,615,000 | 24,075,000 |
| Equity capital | 133,722,000 | 138,031,000 | 140,683,000 | 143,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 18,962,000 | 38,356,000 | 58,187,000 | 78,571,000 |
| Interest expense | 6,582,000 | 13,732,000 | 21,627,000 | 30,142,000 |
| Net interest income | 12,380,000 | 24,624,000 | 36,560,000 | 48,429,000 |
| Noninterest income | 1,464,000 | 3,935,000 | 5,629,000 | 7,459,000 |
| Noninterest expense | 8,840,000 | 17,847,000 | 26,785,000 | 35,966,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,009,000 | 10,717,000 | 15,409,000 | 19,938,000 |
| Income tax | 1,690,000 | 3,625,000 | 5,057,000 | 6,337,000 |
| Net income | 3,319,000 | 7,092,000 | 10,352,000 | 13,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,684,000 | 133,458,000 | 136,727,000 | 140,052,000 |
| Total capital | 137,351,000 | 141,202,000 | 144,163,000 | 147,329,000 |
| Risk-weighted assets | 914,126,000 | 930,120,000 | 952,616,000 | 979,710,000 |