Call reports 2016
UNION SAVINGS BANK — 2016
What UNION SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,197,984,000 | 2,187,385,000 | 2,248,407,000 | 2,205,675,000 |
| Total loans | 1,673,169,000 | 1,668,866,000 | 1,661,955,000 | 1,684,464,000 |
| Allowance for loan losses | 14,438,000 | 14,573,000 | 14,710,000 | 13,729,000 |
| Securities available for sale | 157,495,000 | 169,665,000 | 250,321,000 | 237,430,000 |
| Securities held to maturity | 88,451,000 | 84,256,000 | 79,140,000 | 73,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,653,419,000 | 1,684,816,000 | 1,635,876,000 | 1,665,666,000 |
| Interest-bearing deposits | 1,268,011,000 | 1,281,942,000 | 1,239,490,000 | 1,256,973,000 |
| Noninterest-bearing deposits | 385,408,000 | 402,874,000 | 396,386,000 | 408,693,000 |
| Equity capital | 221,631,000 | 225,425,000 | 228,107,000 | 227,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 18,708,000 | 37,153,000 | 55,545,000 | 74,034,000 |
| Interest expense | 2,250,000 | 4,275,000 | 6,708,000 | 8,477,000 |
| Net interest income | 16,458,000 | 32,878,000 | 48,837,000 | 65,557,000 |
| Noninterest income | 3,883,000 | 7,759,000 | 11,990,000 | 16,011,000 |
| Noninterest expense | 15,290,000 | 30,373,000 | 45,750,000 | 62,241,000 |
| Provision for loan losses | 570,000 | 1,140,000 | 1,520,000 | 1,595,000 |
| Pretax income | 4,554,000 | 9,197,000 | 13,640,000 | 17,815,000 |
| Income tax | 1,381,000 | 2,793,000 | 4,172,000 | 5,497,000 |
| Net income | 3,173,000 | 6,404,000 | 9,468,000 | 12,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 215,639,000 | 219,004,000 | 222,203,000 | 225,187,000 |
| Total capital | 230,102,000 | 233,602,000 | 236,938,000 | 238,941,000 |
| Risk-weighted assets | 1,573,320,000 | 1,588,448,000 | 1,607,358,000 | 1,641,185,000 |