Call reports 2010
UBANK — 2010
What UBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 59,685,000 | 60,540,000 | 60,797,000 | 59,377,000 |
| Total loans | 38,986,000 | 39,582,000 | 39,674,000 | 39,010,000 |
| Allowance for loan losses | 431,000 | 425,000 | 466,000 | 471,000 |
| Securities available for sale | 13,414,000 | 14,049,000 | 11,699,000 | 14,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,629,000 | 52,316,000 | 52,435,000 | 51,256,000 |
| Interest-bearing deposits | 44,111,000 | 44,516,000 | 45,360,000 | 43,404,000 |
| Noninterest-bearing deposits | 7,518,000 | 7,800,000 | 7,075,000 | 7,852,000 |
| Equity capital | 7,372,000 | 7,512,000 | 7,591,000 | 7,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 870,000 | 1,746,000 | 2,627,000 | 3,490,000 |
| Interest expense | 171,000 | 340,000 | 507,000 | 653,000 |
| Net interest income | 699,000 | 1,406,000 | 2,120,000 | 2,837,000 |
| Noninterest income | 135,000 | 278,000 | 434,000 | 570,000 |
| Noninterest expense | 511,000 | 1,020,000 | 1,511,000 | 2,011,000 |
| Provision for loan losses | 80,000 | 128,000 | 176,000 | 224,000 |
| Pretax income | 248,000 | 540,000 | 872,000 | 1,177,000 |
| Income tax | 20,000 | 39,000 | 59,000 | 72,000 |
| Net income | 228,000 | 501,000 | 813,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,096,000 | 7,199,000 | 7,258,000 | 7,351,000 |
| Total capital | 7,527,000 | 7,624,000 | 7,724,000 | 7,822,000 |
| Risk-weighted assets | 39,265,000 | 40,398,000 | 40,762,000 | 40,465,000 |
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