Call reports 2005
UBANK — 2005
What UBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 140,612,000 | 139,803,000 | 143,561,000 | 151,287,000 |
| Total loans | 86,504,000 | 88,259,000 | 91,792,000 | 91,678,000 |
| Allowance for loan losses | 1,401,000 | 1,386,000 | 1,394,000 | 1,297,000 |
| Securities available for sale | 20,032,000 | 16,952,000 | 16,241,000 | 12,892,000 |
| Securities held to maturity | 346,000 | 330,000 | 317,000 | 297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,303,000 | 123,815,000 | 126,932,000 | 134,364,000 |
| Interest-bearing deposits | 85,259,000 | 82,824,000 | 83,222,000 | 88,005,000 |
| Noninterest-bearing deposits | 40,044,000 | 40,991,000 | 43,710,000 | 46,359,000 |
| Equity capital | 11,174,000 | 11,359,000 | 11,766,000 | 12,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,771,000 | 3,609,000 | 5,635,000 | 7,725,000 |
| Interest expense | 311,000 | 650,000 | 1,032,000 | 1,438,000 |
| Net interest income | 1,460,000 | 2,959,000 | 4,603,000 | 6,287,000 |
| Noninterest income | 858,000 | 1,706,000 | 2,547,000 | 3,380,000 |
| Noninterest expense | 1,819,000 | 3,618,000 | 5,518,000 | 7,699,000 |
| Provision for loan losses | 100,000 | 258,000 | 323,000 | 321,000 |
| Pretax income | 399,000 | 789,000 | 1,309,000 | 1,647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 399,000 | 789,000 | 1,309,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,110,000 | 11,299,000 | 11,725,000 | 12,063,000 |
| Total capital | 12,201,000 | 12,426,000 | 12,897,000 | 13,267,000 |
| Risk-weighted assets | 87,009,000 | 89,908,000 | 93,529,000 | 96,265,000 |