Call reports 2006
UNION SAVINGS BANK — 2006
What UNION SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,606,837,000 | 1,676,238,000 | 1,669,680,000 | 1,626,966,000 |
| Total loans | 1,163,315,000 | 1,200,203,000 | 1,221,746,000 | 1,229,649,000 |
| Allowance for loan losses | 7,255,000 | 7,209,000 | 7,161,000 | 7,011,000 |
| Securities available for sale | 119,448,000 | 108,528,000 | 117,419,000 | 124,492,000 |
| Securities held to maturity | 185,138,000 | 176,317,000 | 169,132,000 | 164,139,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 989,697,000 | 1,040,902,000 | 1,024,251,000 | 1,005,690,000 |
| Interest-bearing deposits | 969,317,000 | 1,020,980,000 | 1,001,528,000 | 982,807,000 |
| Noninterest-bearing deposits | 20,380,000 | 19,922,000 | 22,723,000 | 22,883,000 |
| Equity capital | 146,021,000 | 148,082,000 | 151,077,000 | 152,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 21,009,000 | 42,623,000 | 65,202,000 | 87,596,000 |
| Interest expense | 9,136,000 | 19,601,000 | 31,155,000 | 42,879,000 |
| Net interest income | 11,873,000 | 23,022,000 | 34,047,000 | 44,717,000 |
| Noninterest income | 1,759,000 | 3,553,000 | 5,202,000 | 7,051,000 |
| Noninterest expense | 9,608,000 | 19,162,000 | 28,527,000 | 38,513,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,024,000 | 7,413,000 | 10,722,000 | 13,255,000 |
| Income tax | 1,307,000 | 2,295,000 | 3,394,000 | 4,080,000 |
| Net income | 2,717,000 | 5,118,000 | 7,328,000 | 9,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,768,000 | 145,169,000 | 147,379,000 | 149,306,000 |
| Total capital | 150,023,000 | 152,378,000 | 154,540,000 | 156,317,000 |
| Risk-weighted assets | 994,422,000 | 1,030,669,000 | 1,041,441,000 | 1,035,635,000 |