Call reports 2018
UNION SAVINGS AND LOAN ASSOCIATION — 2018
What UNION SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 151,428,000 | 152,997,000 | 156,548,000 | 162,799,000 |
| Total loans | 131,381,000 | 135,275,000 | 140,996,000 | 143,868,000 |
| Allowance for loan losses | 1,305,000 | 1,317,000 | 1,313,000 | 1,385,000 |
| Securities available for sale | 603,000 | 563,000 | 529,000 | 499,000 |
| Securities held to maturity | 285,000 | 285,000 | 255,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,868,000 | 128,074,000 | 132,142,000 | 136,177,000 |
| Interest-bearing deposits | 109,193,000 | 109,360,000 | 110,604,000 | 113,711,000 |
| Noninterest-bearing deposits | 20,676,000 | 18,714,000 | 21,538,000 | 22,466,000 |
| Equity capital | 14,969,000 | 15,282,000 | 15,622,000 | 15,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,239,000 | 4,952,000 | 6,767,000 |
| Interest expense | 275,000 | 575,000 | 902,000 | 1,290,000 |
| Net interest income | 1,315,000 | 2,664,000 | 4,050,000 | 5,477,000 |
| Noninterest income | 309,000 | 646,000 | 997,000 | 1,345,000 |
| Noninterest expense | 1,246,000 | 2,489,000 | 3,722,000 | 4,995,000 |
| Provision for loan losses | 15,000 | 40,000 | 90,000 | 170,000 |
| Pretax income | 363,000 | 781,000 | 1,235,000 | 1,657,000 |
| Income tax | 91,000 | 196,000 | 310,000 | 418,000 |
| Net income | 272,000 | 585,000 | 925,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,969,000 | 15,282,000 | 15,622,000 | 15,936,000 |
| Total capital | 16,274,000 | 16,599,000 | 16,935,000 | 17,321,000 |
| Risk-weighted assets | 109,143,000 | 113,016,000 | 118,464,000 | 121,171,000 |