Call reports 2010
UNION SAVINGS BANK — 2010
What UNION SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,925,421,000 | 2,459,468,000 | 2,485,666,000 | 2,410,672,000 |
| Total loans | 1,482,774,000 | 1,863,806,000 | 1,866,332,000 | 1,842,417,000 |
| Allowance for loan losses | 10,388,000 | 9,614,000 | 9,552,000 | 11,658,000 |
| Securities available for sale | 152,501,000 | 166,642,000 | 168,361,000 | 167,099,000 |
| Securities held to maturity | 116,921,000 | 142,226,000 | 170,440,000 | 159,319,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,191,617,000 | 1,608,947,000 | 1,591,351,000 | 1,552,887,000 |
| Interest-bearing deposits | 1,021,846,000 | 1,346,212,000 | 1,329,103,000 | 1,290,677,000 |
| Noninterest-bearing deposits | 169,771,000 | 262,735,000 | 262,248,000 | 262,210,000 |
| Equity capital | 178,486,000 | 180,372,000 | 182,135,000 | 180,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 23,151,000 | 51,132,000 | 79,301,000 | 106,830,000 |
| Interest expense | 7,687,000 | 16,504,000 | 25,183,000 | 33,299,000 |
| Net interest income | 15,464,000 | 34,628,000 | 54,118,000 | 73,531,000 |
| Noninterest income | 801,000 | 3,409,000 | 6,169,000 | 8,862,000 |
| Noninterest expense | 13,047,000 | 32,695,000 | 50,481,000 | 66,965,000 |
| Provision for loan losses | 1,000,000 | 2,000,000 | 3,500,000 | 7,963,000 |
| Pretax income | 2,218,000 | 3,342,000 | 6,237,000 | 7,396,000 |
| Income tax | 687,000 | 1,090,000 | 1,948,000 | 2,156,000 |
| Net income | 1,531,000 | 2,252,000 | 4,289,000 | 5,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,214,000 | 167,344,000 | 168,756,000 | 167,414,000 |
| Total capital | 194,602,000 | 176,958,000 | 178,308,000 | 179,072,000 |
| Risk-weighted assets | 1,248,686,000 | 1,628,150,000 | 1,615,680,000 | 1,580,923,000 |