Call reports 2010
UBANK — 2010
What UBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 268,209,000 | 277,376,000 | 274,941,000 | 269,258,000 |
| Total loans | 199,764,000 | 207,511,000 | 210,347,000 | 208,856,000 |
| Allowance for loan losses | 2,039,000 | 2,211,000 | 3,643,000 | 5,065,000 |
| Securities available for sale | 24,281,000 | 27,634,000 | 28,611,000 | 22,043,000 |
| Securities held to maturity | 124,000 | 117,000 | 110,000 | 106,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,870,000 | 214,804,000 | 220,069,000 | 219,012,000 |
| Interest-bearing deposits | 156,211,000 | 163,804,000 | 167,487,000 | 166,261,000 |
| Noninterest-bearing deposits | 50,659,000 | 51,000,000 | 52,582,000 | 52,751,000 |
| Equity capital | 20,404,000 | 21,431,000 | 19,023,000 | 22,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,665,000 | 7,409,000 | 11,313,000 | 14,879,000 |
| Interest expense | 716,000 | 1,428,000 | 2,093,000 | 2,719,000 |
| Net interest income | 2,949,000 | 5,981,000 | 9,220,000 | 12,160,000 |
| Noninterest income | 1,070,000 | 2,190,000 | 3,295,000 | 4,326,000 |
| Noninterest expense | 2,739,000 | 5,581,000 | 8,437,000 | 11,487,000 |
| Provision for loan losses | 187,000 | 479,000 | 4,216,000 | 4,216,000 |
| Pretax income | 1,093,000 | 2,111,000 | -139,000 | 782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,093,000 | 2,111,000 | -139,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,473,000 | 21,237,000 | 18,794,000 | 22,215,000 |
| Total capital | 22,512,000 | 23,448,000 | 21,403,000 | 24,857,000 |
| Risk-weighted assets | 201,530,000 | 208,796,000 | 207,654,000 | 208,907,000 |