Call reports 2003
UBANK — 2003
What UBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,013,000 | 130,173,000 | 132,876,000 | 131,628,000 |
| Total loans | 73,339,000 | 76,215,000 | 77,192,000 | 79,448,000 |
| Allowance for loan losses | 1,174,000 | 1,204,000 | 1,288,000 | 1,361,000 |
| Securities available for sale | 21,175,000 | 23,429,000 | 23,717,000 | 18,497,000 |
| Securities held to maturity | 852,000 | 811,000 | 727,000 | 676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,315,000 | 114,976,000 | 116,413,000 | 115,512,000 |
| Interest-bearing deposits | 86,253,000 | 88,178,000 | 87,864,000 | 86,190,000 |
| Noninterest-bearing deposits | 26,062,000 | 26,798,000 | 28,549,000 | 29,322,000 |
| Equity capital | 12,358,000 | 11,962,000 | 12,016,000 | 11,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,824,000 | 3,623,000 | 5,424,000 | 7,195,000 |
| Interest expense | 429,000 | 841,000 | 1,217,000 | 1,543,000 |
| Net interest income | 1,395,000 | 2,782,000 | 4,207,000 | 5,652,000 |
| Noninterest income | 834,000 | 1,739,000 | 2,648,000 | 3,568,000 |
| Noninterest expense | 1,570,000 | 3,153,000 | 4,726,000 | 6,313,000 |
| Provision for loan losses | 181,000 | 282,000 | 432,000 | 590,000 |
| Pretax income | 478,000 | 1,086,000 | 1,697,000 | 2,317,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 478,000 | 1,086,000 | 1,697,000 | 2,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,654,000 | 11,262,000 | 11,548,000 | 10,973,000 |
| Total capital | 12,612,000 | 12,251,000 | 12,541,000 | 11,984,000 |
| Risk-weighted assets | 76,424,000 | 78,874,000 | 79,157,000 | 80,554,000 |