Call reports 2007
UNION SAVINGS BANK — 2007
What UNION SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,670,501,000 | 1,693,134,000 | 1,738,511,000 | 1,722,349,000 |
| Total loans | 1,244,161,000 | 1,262,663,000 | 1,281,432,000 | 1,314,760,000 |
| Allowance for loan losses | 6,966,000 | 6,888,000 | 6,822,000 | 6,652,000 |
| Securities available for sale | 120,398,000 | 123,537,000 | 140,784,000 | 129,869,000 |
| Securities held to maturity | 160,109,000 | 153,919,000 | 145,743,000 | 140,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,019,550,000 | 1,017,704,000 | 1,049,858,000 | 1,034,495,000 |
| Interest-bearing deposits | 999,532,000 | 995,914,000 | 1,021,994,000 | 1,001,956,000 |
| Noninterest-bearing deposits | 20,018,000 | 21,790,000 | 27,864,000 | 32,539,000 |
| Equity capital | 155,121,000 | 156,762,000 | 159,705,000 | 159,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 22,627,000 | 45,475,000 | 69,338,000 | 93,152,000 |
| Interest expense | 12,001,000 | 24,254,000 | 37,583,000 | 50,476,000 |
| Net interest income | 10,626,000 | 21,221,000 | 31,755,000 | 42,676,000 |
| Noninterest income | 2,017,000 | 3,957,000 | 5,989,000 | 7,939,000 |
| Noninterest expense | 9,691,000 | 19,491,000 | 29,171,000 | 38,830,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,952,000 | 5,822,000 | 8,708,000 | 11,920,000 |
| Income tax | 872,000 | 1,694,000 | 2,541,000 | 3,469,000 |
| Net income | 2,080,000 | 4,128,000 | 6,167,000 | 8,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 151,386,000 | 153,434,000 | 155,473,000 | 160,391,000 |
| Total capital | 158,352,000 | 160,322,000 | 162,295,000 | 167,043,000 |
| Risk-weighted assets | 1,048,492,000 | 1,061,808,000 | 1,075,450,000 | 1,095,043,000 |