Call reports 2012
UNION SAVINGS AND LOAN ASSOCIATION — 2012
What UNION 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 | 131,068,000 | 131,728,000 | 131,396,000 | 133,581,000 |
| Total loans | 100,758,000 | 100,970,000 | 101,678,000 | 98,752,000 |
| Allowance for loan losses | 1,432,000 | 1,402,000 | 1,489,000 | 1,524,000 |
| Securities available for sale | 2,285,000 | 2,232,000 | 2,139,000 | 2,052,000 |
| Securities held to maturity | 595,000 | 595,000 | 570,000 | 570,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,712,000 | 115,261,000 | 115,753,000 | 118,001,000 |
| Interest-bearing deposits | 102,448,000 | 104,913,000 | 104,580,000 | 108,410,000 |
| Noninterest-bearing deposits | 12,264,000 | 10,348,000 | 11,173,000 | 9,591,000 |
| Equity capital | 11,686,000 | 11,780,000 | 11,875,000 | 11,998,000 |
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 | 1,394,000 | 2,774,000 | 4,178,000 | 5,547,000 |
| Interest expense | 360,000 | 719,000 | 1,069,000 | 1,404,000 |
| Net interest income | 1,034,000 | 2,055,000 | 3,109,000 | 4,143,000 |
| Noninterest income | 290,000 | 593,000 | 890,000 | 1,214,000 |
| Noninterest expense | 1,046,000 | 2,070,000 | 3,120,000 | 4,150,000 |
| Provision for loan losses | 180,000 | 360,000 | 510,000 | 645,000 |
| Pretax income | 98,000 | 218,000 | 369,000 | 562,000 |
| Income tax | 37,000 | 82,000 | 139,000 | 221,000 |
| Net income | 61,000 | 136,000 | 230,000 | 341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,689,000 | 11,778,000 | 11,870,000 | 11,982,000 |
| Total capital | 12,680,000 | 12,771,000 | 12,871,000 | 12,994,000 |
| Risk-weighted assets | 78,861,000 | 79,026,000 | 79,618,000 | 80,904,000 |