Call reports 2016
UNION SAVINGS AND LOAN ASSOCIATION — 2016
What UNION SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 133,750,000 | 135,910,000 | 138,587,000 | 141,061,000 |
| Total loans | 109,565,000 | 112,000,000 | 114,561,000 | 117,871,000 |
| Allowance for loan losses | 1,368,000 | 1,378,000 | 1,342,000 | 1,314,000 |
| Securities available for sale | 990,000 | 934,000 | 878,000 | 831,000 |
| Securities held to maturity | 395,000 | 395,000 | 370,000 | 370,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,622,000 | 115,625,000 | 119,057,000 | 120,466,000 |
| Interest-bearing deposits | 101,435,000 | 102,004,000 | 104,021,000 | 105,642,000 |
| Noninterest-bearing deposits | 13,187,000 | 13,621,000 | 15,037,000 | 14,824,000 |
| Equity capital | 13,624,000 | 13,750,000 | 13,926,000 | 14,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,616,000 | 3,959,000 | 5,346,000 |
| Interest expense | 220,000 | 450,000 | 686,000 | 930,000 |
| Net interest income | 1,062,000 | 2,166,000 | 3,273,000 | 4,416,000 |
| Noninterest income | 279,000 | 569,000 | 942,000 | 1,242,000 |
| Noninterest expense | 1,132,000 | 2,284,000 | 3,442,000 | 4,615,000 |
| Provision for loan losses | 37,000 | 70,000 | 100,000 | 130,000 |
| Pretax income | 172,000 | 381,000 | 673,000 | 913,000 |
| Income tax | 68,000 | 150,000 | 266,000 | 361,000 |
| Net income | 104,000 | 231,000 | 407,000 | 552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,623,000 | 13,750,000 | 13,926,000 | 14,071,000 |
| Total capital | 14,716,000 | 14,853,000 | 15,073,000 | 15,243,000 |
| Risk-weighted assets | 87,152,000 | 87,973,000 | 91,555,000 | 93,594,000 |