Call reports 2011
UNION SAVINGS BANK — 2011
What UNION SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 2,436,153,000 | 2,410,660,000 | 2,474,165,000 | 2,496,462,000 |
| Total loans | 1,826,144,000 | 1,815,470,000 | 1,823,481,000 | 1,816,932,000 |
| Allowance for loan losses | 11,961,000 | 14,114,000 | 13,978,000 | 14,489,000 |
| Securities available for sale | 163,383,000 | 165,141,000 | 191,630,000 | 205,982,000 |
| Securities held to maturity | 150,115,000 | 170,933,000 | 191,142,000 | 199,732,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,562,028,000 | 1,565,239,000 | 1,575,384,000 | 1,625,128,000 |
| Interest-bearing deposits | 1,305,784,000 | 1,291,164,000 | 1,309,718,000 | 1,347,869,000 |
| Noninterest-bearing deposits | 256,244,000 | 274,075,000 | 265,666,000 | 277,259,000 |
| Equity capital | 181,455,000 | 184,642,000 | 187,770,000 | 178,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 26,404,000 | 54,249,000 | 80,025,000 | 105,561,000 |
| Interest expense | 7,604,000 | 15,032,000 | 22,259,000 | 29,381,000 |
| Net interest income | 18,800,000 | 39,217,000 | 57,766,000 | 76,180,000 |
| Noninterest income | 2,998,000 | 6,069,000 | 10,029,000 | 13,227,000 |
| Noninterest expense | 18,453,000 | 36,212,000 | 54,024,000 | 71,924,000 |
| Provision for loan losses | 1,957,000 | 4,882,000 | 6,415,000 | 7,666,000 |
| Pretax income | 1,450,000 | 5,575,000 | 8,739,000 | 11,200,000 |
| Income tax | 386,000 | 1,652,000 | 2,619,000 | 3,379,000 |
| Net income | 1,064,000 | 3,923,000 | 6,120,000 | 7,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 168,707,000 | 171,797,000 | 174,227,000 | 176,157,000 |
| Total capital | 180,668,000 | 185,911,000 | 188,205,000 | 190,646,000 |
| Risk-weighted assets | 1,575,982,000 | 1,574,744,000 | 1,589,000,000 | 1,601,945,000 |