Call reports 2012
UNION SAVINGS BANK — 2012
What UNION SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,519,815,000 | 2,518,841,000 | 2,496,394,000 | 2,392,802,000 |
| Total loans | 1,783,785,000 | 1,759,128,000 | 1,739,423,000 | 1,738,256,000 |
| Allowance for loan losses | 15,026,000 | 14,628,000 | 15,256,000 | 15,256,000 |
| Securities available for sale | 190,992,000 | 268,535,000 | 298,480,000 | 211,123,000 |
| Securities held to maturity | 247,286,000 | 217,512,000 | 201,281,000 | 191,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,641,102,000 | 1,635,250,000 | 1,658,505,000 | 1,701,900,000 |
| Interest-bearing deposits | 1,375,715,000 | 1,342,564,000 | 1,378,084,000 | 1,394,495,000 |
| Noninterest-bearing deposits | 265,387,000 | 292,686,000 | 280,421,000 | 307,405,000 |
| Equity capital | 180,835,000 | 182,902,000 | 186,165,000 | 183,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 25,053,000 | 49,178,000 | 72,718,000 | 95,605,000 |
| Interest expense | 6,796,000 | 13,312,000 | 19,343,000 | 24,522,000 |
| Net interest income | 18,257,000 | 35,866,000 | 53,375,000 | 71,083,000 |
| Noninterest income | 3,275,000 | 6,704,000 | 10,160,000 | 15,154,000 |
| Noninterest expense | 18,625,000 | 36,414,000 | 53,535,000 | 75,629,000 |
| Provision for loan losses | 1,375,000 | 3,000,000 | 4,192,000 | 5,092,000 |
| Pretax income | 1,532,000 | 3,516,000 | 6,312,000 | 10,227,000 |
| Income tax | 448,000 | 1,050,000 | 1,913,000 | 3,184,000 |
| Net income | 1,084,000 | 2,466,000 | 4,399,000 | 7,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 177,468,000 | 179,068,000 | 181,214,000 | 184,051,000 |
| Total capital | 192,494,000 | 193,696,000 | 196,528,000 | 199,332,000 |
| Risk-weighted assets | 1,583,454,000 | 1,570,720,000 | 1,554,131,000 | 1,545,976,000 |