Call reports 2004
UBANK — 2004
What UBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 131,814,000 | 139,772,000 | 139,691,000 | 138,084,000 |
| Total loans | 79,372,000 | 81,476,000 | 85,215,000 | 86,091,000 |
| Allowance for loan losses | 1,306,000 | 1,317,000 | 1,337,000 | 1,368,000 |
| Securities available for sale | 17,299,000 | 19,090,000 | 20,974,000 | 21,022,000 |
| Securities held to maturity | 522,000 | 478,000 | 393,000 | 375,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,501,000 | 124,361,000 | 124,310,000 | 122,586,000 |
| Interest-bearing deposits | 85,582,000 | 83,327,000 | 82,289,000 | 83,965,000 |
| Noninterest-bearing deposits | 29,919,000 | 41,034,000 | 42,021,000 | 38,621,000 |
| Equity capital | 11,695,000 | 10,846,000 | 10,939,000 | 11,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,670,000 | 3,304,000 | 5,058,000 | 6,823,000 |
| Interest expense | 307,000 | 601,000 | 885,000 | 1,174,000 |
| Net interest income | 1,363,000 | 2,703,000 | 4,173,000 | 5,649,000 |
| Noninterest income | 829,000 | 1,691,000 | 2,616,000 | 3,491,000 |
| Noninterest expense | 1,564,000 | 3,135,000 | 4,812,000 | 6,576,000 |
| Provision for loan losses | 63,000 | 172,000 | 319,000 | 460,000 |
| Pretax income | 565,000 | 1,087,000 | 1,658,000 | 2,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 565,000 | 1,087,000 | 1,658,000 | 2,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,288,000 | 10,670,000 | 10,705,000 | 11,086,000 |
| Total capital | 12,295,000 | 11,711,000 | 11,785,000 | 12,168,000 |
| Risk-weighted assets | 80,261,000 | 82,967,000 | 86,147,000 | 86,256,000 |