Call reports 2005
UBANK — 2005
What UBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,278,000 | 53,255,000 | 53,616,000 | 53,712,000 |
| Total loans | 29,536,000 | 29,712,000 | 29,928,000 | 30,982,000 |
| Allowance for loan losses | 378,000 | 393,000 | 375,000 | 388,000 |
| Securities available for sale | 16,885,000 | 16,175,000 | 16,352,000 | 16,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,281,000 | 46,996,000 | 47,343,000 | 47,328,000 |
| Interest-bearing deposits | 39,418,000 | 39,779,000 | 40,302,000 | 40,189,000 |
| Noninterest-bearing deposits | 6,864,000 | 7,217,000 | 7,041,000 | 7,139,000 |
| Equity capital | 5,590,000 | 5,795,000 | 5,734,000 | 5,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 732,000 | 1,501,000 | 2,286,000 | 3,102,000 |
| Interest expense | 195,000 | 406,000 | 636,000 | 886,000 |
| Net interest income | 537,000 | 1,095,000 | 1,650,000 | 2,216,000 |
| Noninterest income | 111,000 | 265,000 | 395,000 | 547,000 |
| Noninterest expense | 455,000 | 920,000 | 1,403,000 | 1,887,000 |
| Provision for loan losses | 21,000 | 43,000 | 45,000 | 54,000 |
| Pretax income | 175,000 | 405,000 | 605,000 | 830,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 70,000 |
| Net income | 157,000 | 369,000 | 551,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,928,000 | 5,990,000 | 6,022,000 | 6,061,000 |
| Total capital | 6,306,000 | 6,383,000 | 6,397,000 | 6,449,000 |
| Risk-weighted assets | 31,711,000 | 31,932,000 | 32,496,000 | 33,267,000 |
Machine access — free, no API key
Every figure shown here about UBANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.