Call reports 2019
UNION SAVINGS AND LOAN ASSOCIATION — 2019
What UNION SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 160,775,000 | 159,389,000 | 164,510,000 | 168,015,000 |
| Total loans | 142,139,000 | 144,622,000 | 146,283,000 | 146,946,000 |
| Allowance for loan losses | 1,425,000 | 1,460,000 | 1,466,000 | 1,474,000 |
| Securities available for sale | 466,000 | 431,000 | 399,000 | 371,000 |
| Securities held to maturity | 225,000 | 225,000 | 195,000 | 195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,839,000 | 138,589,000 | 144,221,000 | 149,002,000 |
| Interest-bearing deposits | 117,768,000 | 119,515,000 | 124,897,000 | 129,129,000 |
| Noninterest-bearing deposits | 20,071,000 | 19,074,000 | 19,324,000 | 19,873,000 |
| Equity capital | 16,246,000 | 16,579,000 | 16,957,000 | 17,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,741,000 | 5,667,000 | 7,603,000 |
| Interest expense | 409,000 | 833,000 | 1,281,000 | 1,752,000 |
| Net interest income | 1,452,000 | 2,908,000 | 4,386,000 | 5,851,000 |
| Noninterest income | 327,000 | 653,000 | 1,028,000 | 1,373,000 |
| Noninterest expense | 1,293,000 | 2,588,000 | 3,903,000 | 5,245,000 |
| Provision for loan losses | 70,000 | 110,000 | 140,000 | 170,000 |
| Pretax income | 416,000 | 863,000 | 1,371,000 | 1,809,000 |
| Income tax | 106,000 | 220,000 | 350,000 | 462,000 |
| Net income | 310,000 | 643,000 | 1,021,000 | 1,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,246,000 | 16,579,000 | 16,957,000 | 17,283,000 |
| Total capital | 17,671,000 | 18,039,000 | 18,423,000 | 18,757,000 |
| Risk-weighted assets | 120,537,000 | 119,522,000 | 120,090,000 | 120,491,000 |