Call reports 2015
UNION FEDERAL SAVINGS AND LOAN ASSOCIATION — 2015
What UNION FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 108,266,000 | 106,960,000 | 103,322,000 | 104,653,000 |
| Total loans | 77,353,000 | 76,552,000 | 76,782,000 | 76,094,000 |
| Allowance for loan losses | 726,000 | 739,000 | 745,000 | 747,000 |
| Securities available for sale | 2,200,000 | 1,745,000 | 1,836,000 | 973,000 |
| Securities held to maturity | 10,049,000 | 10,049,000 | 9,777,000 | 9,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,115,000 | 95,081,000 | 91,265,000 | 92,211,000 |
| Interest-bearing deposits | 93,603,000 | 93,139,000 | 89,318,000 | 91,037,000 |
| Noninterest-bearing deposits | 1,512,000 | 1,942,000 | 1,947,000 | 1,174,000 |
| Equity capital | 11,588,000 | 11,655,000 | 11,816,000 | 11,374,000 |
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 | 1,077,000 | 2,132,000 | 3,192,000 | 4,236,000 |
| Interest expense | 113,000 | 213,000 | 307,000 | 396,000 |
| Net interest income | 964,000 | 1,919,000 | 2,885,000 | 3,840,000 |
| Noninterest income | 39,000 | 78,000 | 134,000 | -5,000 |
| Noninterest expense | 709,000 | 1,506,000 | 2,268,000 | 3,810,000 |
| Provision for loan losses | 10,000 | 18,000 | 25,000 | 30,000 |
| Pretax income | 284,000 | 473,000 | 726,000 | -5,000 |
| Income tax | 105,000 | 173,000 | 266,000 | -23,000 |
| Net income | 179,000 | 300,000 | 460,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,094,000 | 12,216,000 | 12,376,000 | 11,934,000 |
| Total capital | 12,820,000 | 12,932,000 | 13,088,000 | 12,651,000 |
| Risk-weighted assets | 58,198,000 | 57,219,000 | 56,913,000 | 57,294,000 |