Call reports 2009
UNION SAVINGS BANK — 2009
What UNION SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,832,484,000 | 1,893,709,000 | 1,957,265,000 | 1,919,238,000 |
| Total loans | 1,423,191,000 | 1,451,695,000 | 1,462,878,000 | 1,480,583,000 |
| Allowance for loan losses | 8,702,000 | 8,051,000 | 8,652,000 | 9,381,000 |
| Securities available for sale | 164,899,000 | 153,986,000 | 164,308,000 | 161,681,000 |
| Securities held to maturity | 115,500,000 | 120,537,000 | 117,829,000 | 129,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,076,687,000 | 1,160,261,000 | 1,183,938,000 | 1,144,400,000 |
| Interest-bearing deposits | 1,051,701,000 | 994,974,000 | 1,018,210,000 | 974,761,000 |
| Noninterest-bearing deposits | 24,986,000 | 165,287,000 | 165,728,000 | 169,639,000 |
| Equity capital | 166,590,000 | 168,285,000 | 170,790,000 | 176,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 23,774,000 | 47,173,000 | 70,696,000 | 94,316,000 |
| Interest expense | 9,114,000 | 17,658,000 | 26,581,000 | 35,117,000 |
| Net interest income | 14,660,000 | 29,515,000 | 44,115,000 | 59,199,000 |
| Noninterest income | 1,760,000 | 3,553,000 | 5,221,000 | 7,202,000 |
| Noninterest expense | 12,153,000 | 24,574,000 | 37,500,000 | 49,309,000 |
| Provision for loan losses | 1,000,000 | 2,000,000 | 3,000,000 | 5,000,000 |
| Pretax income | 3,267,000 | 6,494,000 | 9,447,000 | 12,703,000 |
| Income tax | 1,139,000 | 2,225,000 | 3,070,000 | 2,760,000 |
| Net income | 2,128,000 | 4,269,000 | 6,377,000 | 9,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 174,740,000 | 176,913,000 | 179,053,000 | 182,652,000 |
| Total capital | 183,442,000 | 184,964,000 | 187,705,000 | 192,033,000 |
| Risk-weighted assets | 1,194,672,000 | 1,221,524,000 | 1,242,197,000 | 1,247,016,000 |