Call reports 2011
UBANK — 2011
What UBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 262,977,000 | 245,690,000 | 236,779,000 | 234,548,000 |
| Total loans | 199,574,000 | 186,224,000 | 169,311,000 | 161,328,000 |
| Allowance for loan losses | 6,551,000 | 5,578,000 | 4,777,000 | 4,726,000 |
| Securities available for sale | 19,854,000 | 19,583,000 | 17,886,000 | 16,847,000 |
| Securities held to maturity | 101,000 | 96,000 | 90,000 | 87,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,395,000 | 204,570,000 | 197,735,000 | 198,988,000 |
| Interest-bearing deposits | 160,984,000 | 150,871,000 | 141,985,000 | 145,854,000 |
| Noninterest-bearing deposits | 54,411,000 | 53,699,000 | 55,750,000 | 53,134,000 |
| Equity capital | 19,542,000 | 18,208,000 | 18,090,000 | 21,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,431,000 | 6,731,000 | 10,057,000 | 13,047,000 |
| Interest expense | 529,000 | 998,000 | 1,406,000 | 1,792,000 |
| Net interest income | 2,902,000 | 5,733,000 | 8,651,000 | 11,255,000 |
| Noninterest income | 733,000 | 1,248,000 | 2,130,000 | 2,820,000 |
| Noninterest expense | 3,134,000 | 6,393,000 | 9,486,000 | 12,996,000 |
| Provision for loan losses | 3,063,000 | 4,663,000 | 5,473,000 | 5,743,000 |
| Pretax income | -2,562,000 | -4,077,000 | -4,180,000 | -4,666,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,562,000 | -4,077,000 | -4,180,000 | -4,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,652,000 | 18,138,000 | 18,035,000 | 21,049,000 |
| Total capital | 22,168,000 | 20,439,000 | 20,233,000 | 23,159,000 |
| Risk-weighted assets | 197,276,000 | 180,813,000 | 173,285,000 | 166,159,000 |