Call reports 2013
UBANK — 2013
What UBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 63,050,000 | 61,600,000 | 60,844,000 | 71,776,000 |
| Total loans | 37,922,000 | 38,242,000 | 37,660,000 | 36,056,000 |
| Allowance for loan losses | 762,000 | 805,000 | 835,000 | 865,000 |
| Securities available for sale | 16,418,000 | 16,330,000 | 16,218,000 | 22,464,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,022,000 | 52,730,000 | 52,056,000 | 63,153,000 |
| Interest-bearing deposits | 45,864,000 | 44,862,000 | 44,840,000 | 55,423,000 |
| Noninterest-bearing deposits | 8,158,000 | 7,868,000 | 7,216,000 | 7,730,000 |
| Equity capital | 8,364,000 | 8,145,000 | 7,998,000 | 8,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,534,000 | 2,298,000 | 3,046,000 |
| Interest expense | 80,000 | 156,000 | 229,000 | 307,000 |
| Net interest income | 682,000 | 1,378,000 | 2,069,000 | 2,739,000 |
| Noninterest income | 125,000 | 251,000 | 401,000 | 528,000 |
| Noninterest expense | 551,000 | 1,079,000 | 1,614,000 | 2,157,000 |
| Provision for loan losses | 47,000 | 93,000 | 140,000 | 186,000 |
| Pretax income | 214,000 | 462,000 | 721,000 | 929,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 56,000 |
| Net income | 196,000 | 426,000 | 667,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,979,000 | 8,038,000 | 8,082,000 | 8,163,000 |
| Total capital | 8,476,000 | 8,530,000 | 8,568,000 | 8,653,000 |
| Risk-weighted assets | 39,512,000 | 39,070,000 | 38,502,000 | 38,817,000 |