Call reports 2008
UNION SAVINGS BANK — 2008
What UNION SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,747,294,000 | 1,770,849,000 | 1,786,497,000 | 1,826,553,000 |
| Total loans | 1,336,172,000 | 1,367,634,000 | 1,390,447,000 | 1,416,262,000 |
| Allowance for loan losses | 6,637,000 | 6,567,000 | 6,808,000 | 7,858,000 |
| Securities available for sale | 137,990,000 | 128,360,000 | 151,333,000 | 173,779,000 |
| Securities held to maturity | 135,665,000 | 131,346,000 | 119,441,000 | 113,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,051,745,000 | 1,031,430,000 | 1,067,726,000 | 1,046,914,000 |
| Interest-bearing deposits | 1,021,961,000 | 999,261,000 | 1,026,667,000 | 1,023,525,000 |
| Noninterest-bearing deposits | 29,784,000 | 32,169,000 | 41,059,000 | 23,389,000 |
| Equity capital | 162,155,000 | 163,075,000 | 166,128,000 | 163,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 23,552,000 | 46,975,000 | 70,841,000 | 95,159,000 |
| Interest expense | 11,906,000 | 22,579,000 | 33,311,000 | 43,457,000 |
| Net interest income | 11,646,000 | 24,396,000 | 37,530,000 | 51,702,000 |
| Noninterest income | 2,063,000 | 4,187,000 | 6,091,000 | 7,997,000 |
| Noninterest expense | 10,487,000 | 21,351,000 | 31,990,000 | 43,268,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 1,750,000 |
| Pretax income | 3,222,000 | 7,232,000 | 11,319,000 | 14,669,000 |
| Income tax | 1,039,000 | 2,330,000 | 3,672,000 | 4,756,000 |
| Net income | 2,183,000 | 4,902,000 | 7,647,000 | 9,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 162,573,000 | 165,293,000 | 168,038,000 | 172,580,000 |
| Total capital | 169,210,000 | 171,860,000 | 174,846,000 | 180,438,000 |
| Risk-weighted assets | 1,107,322,000 | 1,133,122,000 | 1,145,440,000 | 1,188,503,000 |