Call reports 2014
UNION SAVINGS AND LOAN ASSOCIATION — 2014
What UNION SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 133,449,000 | 133,308,000 | 132,763,000 | 134,134,000 |
| Total loans | 100,888,000 | 101,704,000 | 102,846,000 | 105,993,000 |
| Allowance for loan losses | 1,491,000 | 1,534,000 | 1,393,000 | 1,446,000 |
| Securities available for sale | 1,519,000 | 1,459,000 | 1,392,000 | 1,328,000 |
| Securities held to maturity | 495,000 | 495,000 | 470,000 | 470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,293,000 | 112,531,000 | 110,756,000 | 109,211,000 |
| Interest-bearing deposits | 103,047,000 | 101,853,000 | 99,964,000 | 98,560,000 |
| Noninterest-bearing deposits | 10,247,000 | 10,678,000 | 10,792,000 | 10,651,000 |
| Equity capital | 12,579,000 | 12,680,000 | 12,809,000 | 12,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,593,000 | 3,892,000 | 5,196,000 |
| Interest expense | 251,000 | 498,000 | 744,000 | 978,000 |
| Net interest income | 1,050,000 | 2,095,000 | 3,148,000 | 4,218,000 |
| Noninterest income | 243,000 | 509,000 | 798,000 | 1,120,000 |
| Noninterest expense | 1,042,000 | 2,119,000 | 3,204,000 | 4,298,000 |
| Provision for loan losses | 75,000 | 150,000 | 195,000 | 225,000 |
| Pretax income | 176,000 | 335,000 | 547,000 | 815,000 |
| Income tax | 68,000 | 131,000 | 215,000 | 321,000 |
| Net income | 108,000 | 204,000 | 332,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,579,000 | 12,680,000 | 12,809,000 | 12,974,000 |
| Total capital | 13,617,000 | 13,727,000 | 13,802,000 | 14,057,000 |
| Risk-weighted assets | 82,589,000 | 83,296,000 | 84,033,000 | 86,254,000 |