Call reports 2012
UBANK — 2012
What UBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 63,270,000 | 62,341,000 | 62,685,000 | 62,044,000 |
| Total loans | 40,768,000 | 40,007,000 | 39,692,000 | 39,265,000 |
| Allowance for loan losses | 545,000 | 590,000 | 602,000 | 675,000 |
| Securities available for sale | 13,073,000 | 14,041,000 | 14,120,000 | 14,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,449,000 | 53,352,000 | 53,522,000 | 53,087,000 |
| Interest-bearing deposits | 46,549,000 | 45,164,000 | 45,139,000 | 44,975,000 |
| Noninterest-bearing deposits | 7,900,000 | 8,187,000 | 8,383,000 | 8,112,000 |
| Equity capital | 8,161,000 | 8,276,000 | 8,387,000 | 8,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 838,000 | 1,660,000 | 2,465,000 | 3,265,000 |
| Interest expense | 99,000 | 197,000 | 292,000 | 378,000 |
| Net interest income | 739,000 | 1,463,000 | 2,173,000 | 2,887,000 |
| Noninterest income | 132,000 | 268,000 | 396,000 | 589,000 |
| Noninterest expense | 560,000 | 1,090,000 | 1,621,000 | 2,161,000 |
| Provision for loan losses | 46,000 | 92,000 | 138,000 | 249,000 |
| Pretax income | 265,000 | 549,000 | 810,000 | 1,066,000 |
| Income tax | 20,000 | 39,000 | 59,000 | 65,000 |
| Net income | 245,000 | 510,000 | 751,000 | 1,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,732,000 | 7,779,000 | 7,844,000 | 7,923,000 |
| Total capital | 8,260,000 | 8,296,000 | 8,359,000 | 8,429,000 |
| Risk-weighted assets | 42,232,000 | 41,269,000 | 41,081,000 | 40,318,000 |