Call reports 2019
UNION SAVINGS BANK — 2019
What UNION SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,151,621,000 | 2,147,434,000 | 2,194,820,000 | 2,276,560,000 |
| Total loans | 1,715,093,000 | 1,695,434,000 | 1,682,792,000 | 1,681,318,000 |
| Allowance for loan losses | 15,133,000 | 15,596,000 | 15,746,000 | 14,699,000 |
| Securities available for sale | 201,414,000 | 201,716,000 | 197,675,000 | 195,590,000 |
| Securities held to maturity | 44,860,000 | 42,788,000 | 40,152,000 | 35,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,617,363,000 | 1,642,869,000 | 1,656,234,000 | 1,727,759,000 |
| Interest-bearing deposits | 1,174,062,000 | 1,193,580,000 | 1,224,780,000 | 1,277,260,000 |
| Noninterest-bearing deposits | 443,301,000 | 449,289,000 | 431,454,000 | 450,499,000 |
| Equity capital | 263,971,000 | 271,095,000 | 277,028,000 | 283,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 20,948,000 | 42,333,000 | 63,155,000 | 83,260,000 |
| Interest expense | 2,561,000 | 5,042,000 | 7,867,000 | 10,651,000 |
| Net interest income | 18,387,000 | 37,291,000 | 55,288,000 | 72,609,000 |
| Noninterest income | 3,800,000 | 8,019,000 | 13,235,000 | 17,422,000 |
| Noninterest expense | 14,715,000 | 30,035,000 | 46,226,000 | 62,000,000 |
| Provision for loan losses | 300,000 | 600,000 | 600,000 | 596,000 |
| Pretax income | 7,172,000 | 14,675,000 | 21,697,000 | 27,435,000 |
| Income tax | 1,311,000 | 2,874,000 | 4,059,000 | 5,205,000 |
| Net income | 5,861,000 | 11,801,000 | 17,638,000 | 22,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 266,620,000 | 272,560,000 | 278,398,000 | 282,988,000 |
| Total capital | 281,778,000 | 288,181,000 | 294,168,000 | 297,712,000 |
| Risk-weighted assets | 1,689,170,000 | 1,687,545,000 | 1,690,611,000 | 1,692,661,000 |