Call reports 2015
UNION SAVINGS BANK — 2015
What UNION SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,228,818,000 | 2,183,537,000 | 2,226,334,000 | 2,198,946,000 |
| Total loans | 1,686,815,000 | 1,693,073,000 | 1,671,593,000 | 1,680,738,000 |
| Allowance for loan losses | 15,504,000 | 15,661,000 | 15,895,000 | 14,124,000 |
| Securities available for sale | 185,570,000 | 169,618,000 | 181,631,000 | 177,408,000 |
| Securities held to maturity | 113,616,000 | 106,909,000 | 101,201,000 | 96,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,657,177,000 | 1,641,937,000 | 1,619,226,000 | 1,665,798,000 |
| Interest-bearing deposits | 1,308,181,000 | 1,282,247,000 | 1,257,215,000 | 1,283,125,000 |
| Noninterest-bearing deposits | 348,996,000 | 359,690,000 | 362,011,000 | 382,673,000 |
| Equity capital | 207,433,000 | 209,680,000 | 213,831,000 | 217,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 19,274,000 | 38,533,000 | 57,356,000 | 76,286,000 |
| Interest expense | 2,682,000 | 5,283,000 | 7,829,000 | 10,233,000 |
| Net interest income | 16,592,000 | 33,250,000 | 49,527,000 | 66,053,000 |
| Noninterest income | 4,450,000 | 8,229,000 | 14,100,000 | 17,635,000 |
| Noninterest expense | 15,748,000 | 30,795,000 | 47,737,000 | 63,905,000 |
| Provision for loan losses | 801,000 | 1,602,000 | 2,403,000 | 2,403,000 |
| Pretax income | 4,499,000 | 9,088,000 | 13,493,000 | 17,386,000 |
| Income tax | 1,382,000 | 2,788,000 | 4,164,000 | 5,347,000 |
| Net income | 3,117,000 | 6,300,000 | 9,329,000 | 12,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 203,381,000 | 206,654,000 | 209,771,000 | 212,571,000 |
| Total capital | 218,910,000 | 222,340,000 | 225,691,000 | 226,720,000 |
| Risk-weighted assets | 1,541,029,000 | 1,556,979,000 | 1,549,522,000 | 1,576,396,000 |