Call reports 2013
UNION SAVINGS AND LOAN ASSOCIATION — 2013
What UNION SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 135,926,000 | 135,552,000 | 133,715,000 | 133,172,000 |
| Total loans | 97,621,000 | 99,742,000 | 99,987,000 | 99,241,000 |
| Allowance for loan losses | 1,608,000 | 1,469,000 | 1,538,000 | 1,456,000 |
| Securities available for sale | 1,932,000 | 1,789,000 | 1,682,000 | 1,605,000 |
| Securities held to maturity | 545,000 | 545,000 | 520,000 | 520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,189,000 | 117,664,000 | 115,627,000 | 113,150,000 |
| Interest-bearing deposits | 109,695,000 | 107,356,000 | 105,246,000 | 102,921,000 |
| Noninterest-bearing deposits | 10,494,000 | 10,308,000 | 10,381,000 | 10,229,000 |
| Equity capital | 12,064,000 | 12,193,000 | 12,354,000 | 12,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,655,000 | 3,989,000 | 5,277,000 |
| Interest expense | 307,000 | 602,000 | 888,000 | 1,161,000 |
| Net interest income | 1,034,000 | 2,053,000 | 3,101,000 | 4,116,000 |
| Noninterest income | 241,000 | 600,000 | 892,000 | 1,190,000 |
| Noninterest expense | 1,042,000 | 2,141,000 | 3,152,000 | 4,197,000 |
| Provision for loan losses | 125,000 | 171,000 | 233,000 | 308,000 |
| Pretax income | 108,000 | 341,000 | 608,000 | 801,000 |
| Income tax | 41,000 | 128,000 | 232,000 | 308,000 |
| Net income | 67,000 | 213,000 | 376,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,049,000 | 12,195,000 | 12,358,000 | 12,473,000 |
| Total capital | 13,061,000 | 13,234,000 | 13,392,000 | 13,508,000 |
| Risk-weighted assets | 80,383,000 | 82,438,000 | 82,185,000 | 82,351,000 |