Call reports 2009
UBANK — 2009
What UBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 61,492,000 | 61,585,000 | 60,667,000 | 60,671,000 |
| Total loans | 36,750,000 | 37,384,000 | 37,571,000 | 38,386,000 |
| Allowance for loan losses | 352,000 | 366,000 | 371,000 | 384,000 |
| Securities available for sale | 16,823,000 | 17,194,000 | 17,229,000 | 17,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,741,000 | 53,734,000 | 52,579,000 | 52,213,000 |
| Interest-bearing deposits | 43,726,000 | 44,313,000 | 44,969,000 | 44,289,000 |
| Noninterest-bearing deposits | 10,015,000 | 9,421,000 | 7,610,000 | 7,924,000 |
| Equity capital | 7,064,000 | 7,102,000 | 7,318,000 | 7,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,838,000 | 2,770,000 | 3,689,000 |
| Interest expense | 241,000 | 466,000 | 667,000 | 855,000 |
| Net interest income | 664,000 | 1,372,000 | 2,103,000 | 2,834,000 |
| Noninterest income | 131,000 | 265,000 | 405,000 | 546,000 |
| Noninterest expense | 471,000 | 983,000 | 1,465,000 | 2,021,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 123,000 |
| Pretax income | 294,000 | 594,000 | 955,000 | 1,238,000 |
| Income tax | 19,000 | 38,000 | 56,000 | 75,000 |
| Net income | 275,000 | 556,000 | 899,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,852,000 | 6,939,000 | 7,054,000 | 7,348,000 |
| Total capital | 7,204,000 | 7,305,000 | 7,425,000 | 7,732,000 |
| Risk-weighted assets | 36,478,000 | 37,779,000 | 38,002,000 | 38,660,000 |
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