Call reports 2014
UNION SAVINGS BANK — 2014
What UNION SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,328,859,000 | 2,298,277,000 | 2,305,492,000 | 2,234,659,000 |
| Total loans | 1,680,895,000 | 1,701,351,000 | 1,695,344,000 | 1,707,830,000 |
| Allowance for loan losses | 16,281,000 | 16,848,000 | 16,966,000 | 14,778,000 |
| Securities available for sale | 241,532,000 | 223,839,000 | 191,116,000 | 180,506,000 |
| Securities held to maturity | 145,811,000 | 140,311,000 | 134,685,000 | 119,549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,727,530,000 | 1,709,234,000 | 1,691,872,000 | 1,690,831,000 |
| Interest-bearing deposits | 1,407,652,000 | 1,371,446,000 | 1,362,511,000 | 1,335,563,000 |
| Noninterest-bearing deposits | 319,878,000 | 337,788,000 | 329,361,000 | 355,268,000 |
| Equity capital | 196,529,000 | 201,589,000 | 204,597,000 | 203,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 20,293,000 | 40,723,000 | 60,839,000 | 80,640,000 |
| Interest expense | 3,454,000 | 6,769,000 | 9,907,000 | 12,972,000 |
| Net interest income | 16,839,000 | 33,954,000 | 50,932,000 | 67,668,000 |
| Noninterest income | 3,785,000 | 8,054,000 | 12,105,000 | 17,158,000 |
| Noninterest expense | 16,717,000 | 32,511,000 | 47,919,000 | 67,478,000 |
| Provision for loan losses | 1,050,000 | 2,100,000 | 2,950,000 | 3,459,000 |
| Pretax income | 2,857,000 | 7,330,000 | 12,073,000 | 13,794,000 |
| Income tax | 872,000 | 2,290,000 | 3,821,000 | 4,116,000 |
| Net income | 1,985,000 | 5,040,000 | 8,252,000 | 9,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,486,000 | 193,765,000 | 197,194,000 | 198,842,000 |
| Total capital | 206,792,000 | 210,638,000 | 214,185,000 | 213,645,000 |
| Risk-weighted assets | 1,504,222,000 | 1,522,717,000 | 1,519,958,000 | 1,538,809,000 |