Call reports 2007
UBANK — 2007
What UBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 162,650,000 | 166,227,000 | 169,398,000 | 175,264,000 |
| Total loans | 110,449,000 | 115,530,000 | 120,654,000 | 129,321,000 |
| Allowance for loan losses | 1,261,000 | 1,254,000 | 1,335,000 | 1,355,000 |
| Securities available for sale | 21,491,000 | 20,687,000 | 18,047,000 | 13,948,000 |
| Securities held to maturity | 236,000 | 217,000 | 195,000 | 185,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,199,000 | 146,616,000 | 147,261,000 | 153,113,000 |
| Interest-bearing deposits | 97,844,000 | 98,293,000 | 100,057,000 | 104,378,000 |
| Noninterest-bearing deposits | 45,355,000 | 48,323,000 | 47,204,000 | 48,735,000 |
| Equity capital | 14,397,000 | 14,674,000 | 15,031,000 | 15,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,844,000 | 5,720,000 | 8,686,000 | 11,712,000 |
| Interest expense | 660,000 | 1,378,000 | 2,216,000 | 3,114,000 |
| Net interest income | 2,184,000 | 4,342,000 | 6,470,000 | 8,598,000 |
| Noninterest income | 916,000 | 1,857,000 | 2,826,000 | 3,887,000 |
| Noninterest expense | 2,370,000 | 4,761,000 | 7,199,000 | 9,991,000 |
| Provision for loan losses | 29,000 | 61,000 | 215,000 | 310,000 |
| Pretax income | 702,000 | 1,378,000 | 1,883,000 | 2,183,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 702,000 | 1,378,000 | 1,883,000 | 2,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,403,000 | 14,693,000 | 15,006,000 | 15,306,000 |
| Total capital | 15,664,000 | 15,947,000 | 16,341,000 | 16,661,000 |
| Risk-weighted assets | 113,988,000 | 118,385,000 | 122,763,000 | 131,049,000 |