Call reports 2023
UNION SAVINGS BANK — 2023
What UNION SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,024,815,000 | 3,021,272,000 | 3,073,098,000 | 3,011,634,000 |
| Total loans | 1,825,257,000 | 1,823,685,000 | 1,883,189,000 | 1,935,240,000 |
| Allowance for loan losses | 23,095,000 | 23,442,000 | 23,521,000 | 21,525,000 |
| Securities available for sale | 868,478,000 | 837,266,000 | 805,707,000 | 737,130,000 |
| Securities held to maturity | 10,682,000 | 10,151,000 | 9,531,000 | 8,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,280,200,000 | 2,191,366,000 | 2,159,662,000 | 2,192,855,000 |
| Interest-bearing deposits | 1,529,930,000 | 1,475,841,000 | 1,447,890,000 | 1,503,982,000 |
| Noninterest-bearing deposits | 750,270,000 | 715,525,000 | 711,772,000 | 688,873,000 |
| Equity capital | 236,626,000 | 230,342,000 | 218,658,000 | 252,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 25,914,000 | 53,453,000 | 82,570,000 | 112,404,000 |
| Interest expense | 6,735,000 | 15,620,000 | 26,751,000 | 39,648,000 |
| Net interest income | 19,179,000 | 37,833,000 | 55,819,000 | 72,756,000 |
| Noninterest income | 4,383,000 | 8,695,000 | 13,381,000 | 18,063,000 |
| Noninterest expense | 17,138,000 | 34,793,000 | 53,002,000 | 71,422,000 |
| Provision for loan losses | 250,000 | 500,000 | 500,000 | 253,000 |
| Pretax income | 6,174,000 | 11,235,000 | 15,698,000 | 14,047,000 |
| Income tax | 1,227,000 | 2,219,000 | 3,086,000 | 2,586,000 |
| Net income | 4,947,000 | 9,016,000 | 12,612,000 | 11,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 341,141,000 | 345,210,000 | 348,806,000 | 347,655,000 |