Call reports 2022
UNION SAVINGS AND LOAN ASSOCIATION — 2022
What UNION SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 213,421,000 | 214,698,000 | 221,168,000 | 227,923,000 |
| Total loans | 149,520,000 | 158,691,000 | 169,040,000 | 176,691,000 |
| Allowance for loan losses | 1,712,000 | 1,692,000 | 1,674,000 | 1,655,000 |
| Securities available for sale | 24,697,000 | 24,386,000 | 23,259,000 | 22,321,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,822,000 | 195,342,000 | 200,313,000 | 196,782,000 |
| Interest-bearing deposits | 145,174,000 | 146,916,000 | 145,280,000 | 147,125,000 |
| Noninterest-bearing deposits | 48,648,000 | 48,426,000 | 55,033,000 | 49,657,000 |
| Equity capital | 18,730,000 | 18,376,000 | 18,602,000 | 19,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,686,000 | 3,481,000 | 5,494,000 | 7,733,000 |
| Interest expense | 198,000 | 384,000 | 597,000 | 938,000 |
| Net interest income | 1,488,000 | 3,097,000 | 4,897,000 | 6,795,000 |
| Noninterest income | 327,000 | 683,000 | 1,103,000 | 1,465,000 |
| Noninterest expense | 1,505,000 | 3,052,000 | 4,635,000 | 6,255,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 295,000 | 698,000 | 1,320,000 | 1,935,000 |
| Income tax | 71,000 | 169,000 | 324,000 | 477,000 |
| Net income | 224,000 | 529,000 | 996,000 | 1,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,139,000 | 20,068,000 | 20,535,000 | 20,997,000 |