Call reports 2013
UNION SAVINGS BANK — 2013
What UNION SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,393,374,000 | 2,367,543,000 | 2,433,102,000 | 2,298,271,000 |
| Total loans | 1,715,952,000 | 1,703,921,000 | 1,703,307,000 | 1,691,324,000 |
| Allowance for loan losses | 14,829,000 | 15,953,000 | 16,184,000 | 15,540,000 |
| Securities available for sale | 242,878,000 | 247,084,000 | 237,200,000 | 202,521,000 |
| Securities held to maturity | 180,231,000 | 169,886,000 | 160,774,000 | 153,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,701,734,000 | 1,732,315,000 | 1,702,764,000 | 1,720,557,000 |
| Interest-bearing deposits | 1,408,052,000 | 1,410,694,000 | 1,390,388,000 | 1,404,272,000 |
| Noninterest-bearing deposits | 293,682,000 | 321,621,000 | 312,376,000 | 316,285,000 |
| Equity capital | 184,585,000 | 182,013,000 | 181,928,000 | 193,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 21,501,000 | 42,824,000 | 64,193,000 | 85,046,000 |
| Interest expense | 4,840,000 | 9,524,000 | 14,133,000 | 18,532,000 |
| Net interest income | 16,661,000 | 33,300,000 | 50,060,000 | 66,514,000 |
| Noninterest income | 3,852,000 | 7,486,000 | 10,734,000 | 14,743,000 |
| Noninterest expense | 17,413,000 | 34,086,000 | 51,266,000 | 72,545,000 |
| Provision for loan losses | 1,250,000 | 2,500,000 | 3,750,000 | 4,267,000 |
| Pretax income | 2,150,000 | 4,500,000 | 6,074,000 | 4,347,000 |
| Income tax | 546,000 | 1,253,000 | 1,693,000 | 990,000 |
| Net income | 1,604,000 | 3,247,000 | 4,381,000 | 3,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 185,873,000 | 187,646,000 | 188,483,000 | 188,279,000 |
| Total capital | 200,727,000 | 203,624,000 | 204,692,000 | 203,844,000 |
| Risk-weighted assets | 1,532,313,000 | 1,528,523,000 | 1,523,596,000 | 1,500,301,000 |