Call reports 2012
UNION FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What UNION FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 122,808,000 | 121,350,000 | 118,205,000 | 119,397,000 |
| Total loans | 92,455,000 | 90,465,000 | 88,142,000 | 85,079,000 |
| Allowance for loan losses | 645,000 | 672,000 | 701,000 | 749,000 |
| Securities available for sale | 2,521,000 | 3,742,000 | 2,786,000 | 3,499,000 |
| Securities held to maturity | 11,313,000 | 11,260,000 | 11,167,000 | 10,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,362,000 | 102,830,000 | 99,996,000 | 101,182,000 |
| Interest-bearing deposits | 102,664,000 | 100,892,000 | 98,311,000 | 99,568,000 |
| Noninterest-bearing deposits | 1,698,000 | 1,938,000 | 1,685,000 | 1,614,000 |
| Equity capital | 9,752,000 | 9,756,000 | 9,775,000 | 9,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,396,000 | 2,786,000 | 4,123,000 | 5,396,000 |
| Interest expense | 349,000 | 669,000 | 967,000 | 1,243,000 |
| Net interest income | 1,047,000 | 2,117,000 | 3,156,000 | 4,153,000 |
| Noninterest income | 76,000 | 123,000 | 209,000 | 286,000 |
| Noninterest expense | 866,000 | 1,891,000 | 2,684,000 | 3,452,000 |
| Provision for loan losses | 457,000 | 502,000 | 532,000 | 579,000 |
| Pretax income | -276,000 | -266,000 | 36,000 | 295,000 |
| Income tax | -111,000 | -105,000 | 10,000 | 107,000 |
| Net income | -165,000 | -161,000 | 26,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,284,000 | 10,288,000 | 10,476,000 | 10,637,000 |
| Total capital | 10,929,000 | 10,960,000 | 11,178,000 | 11,386,000 |
| Risk-weighted assets | 69,807,000 | 67,717,000 | 66,198,000 | 65,402,000 |