Call reports 2015
UBANK — 2015
What UBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 67,054,000 | 66,244,000 | 65,646,000 | 65,883,000 |
| Total loans | 35,428,000 | 34,659,000 | 35,224,000 | 35,027,000 |
| Allowance for loan losses | 456,000 | 495,000 | 526,000 | 539,000 |
| Securities available for sale | 22,779,000 | 21,746,000 | 22,018,000 | 21,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,581,000 | 56,825,000 | 56,014,000 | 56,402,000 |
| Interest-bearing deposits | 49,081,000 | 48,283,000 | 46,502,000 | 46,508,000 |
| Noninterest-bearing deposits | 8,499,000 | 8,543,000 | 9,512,000 | 9,894,000 |
| Equity capital | 8,819,000 | 8,677,000 | 8,809,000 | 8,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,470,000 | 2,223,000 | 2,965,000 |
| Interest expense | 69,000 | 140,000 | 214,000 | 289,000 |
| Net interest income | 665,000 | 1,330,000 | 2,009,000 | 2,676,000 |
| Noninterest income | 112,000 | 236,000 | 355,000 | 486,000 |
| Noninterest expense | 559,000 | 1,106,000 | 1,646,000 | 2,210,000 |
| Provision for loan losses | 46,000 | 91,000 | 137,000 | 182,000 |
| Pretax income | 172,000 | 373,000 | 585,000 | 775,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 60,000 |
| Net income | 157,000 | 343,000 | 540,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,438,000 | 8,484,000 | 8,538,000 | 8,562,000 |
| Total capital | 8,894,000 | 8,964,000 | 9,010,000 | 9,033,000 |
| Risk-weighted assets | 40,845,000 | 38,356,000 | 37,707,000 | 37,575,000 |