Call reports 2015
UNION SAVINGS AND LOAN ASSOCIATION — 2015
What UNION 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 | 133,609,000 | 132,671,000 | 132,052,000 | 133,593,000 |
| Total loans | 106,111,000 | 106,646,000 | 107,535,000 | 106,997,000 |
| Allowance for loan losses | 1,419,000 | 1,407,000 | 1,412,000 | 1,400,000 |
| Securities available for sale | 1,259,000 | 1,168,000 | 1,096,000 | 1,044,000 |
| Securities held to maturity | 445,000 | 445,000 | 420,000 | 420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,972,000 | 110,887,000 | 111,157,000 | 112,622,000 |
| Interest-bearing deposits | 100,087,000 | 100,413,000 | 99,579,000 | 100,207,000 |
| Noninterest-bearing deposits | 11,886,000 | 10,474,000 | 11,578,000 | 12,416,000 |
| Equity capital | 13,120,000 | 13,253,000 | 13,375,000 | 13,519,000 |
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 | 1,309,000 | 2,588,000 | 3,897,000 | 5,195,000 |
| Interest expense | 227,000 | 457,000 | 690,000 | 916,000 |
| Net interest income | 1,082,000 | 2,131,000 | 3,207,000 | 4,279,000 |
| Noninterest income | 293,000 | 614,000 | 923,000 | 1,276,000 |
| Noninterest expense | 1,098,000 | 2,211,000 | 3,356,000 | 4,506,000 |
| Provision for loan losses | 31,000 | 65,000 | 103,000 | 140,000 |
| Pretax income | 246,000 | 469,000 | 671,000 | 909,000 |
| Income tax | 97,000 | 186,000 | 266,000 | 360,000 |
| Net income | 149,000 | 283,000 | 405,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,118,000 | 13,253,000 | 13,374,000 | 13,518,000 |
| Total capital | 14,121,000 | 14,257,000 | 14,443,000 | 14,573,000 |
| Risk-weighted assets | 79,854,000 | 79,898,000 | 85,161,000 | 84,040,000 |