Call reports 2012
UBANK — 2012
What UBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 237,496,000 | 233,515,000 | 230,811,000 | 236,251,000 |
| Total loans | 153,986,000 | 147,310,000 | 134,831,000 | 140,109,000 |
| Allowance for loan losses | 4,765,000 | 4,640,000 | 4,039,000 | 3,879,000 |
| Securities available for sale | 21,388,000 | 24,478,000 | 31,226,000 | 33,703,000 |
| Securities held to maturity | 80,000 | 76,000 | 69,000 | 65,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,531,000 | 199,938,000 | 196,749,000 | 202,945,000 |
| Interest-bearing deposits | 142,514,000 | 139,153,000 | 132,872,000 | 134,869,000 |
| Noninterest-bearing deposits | 59,017,000 | 60,785,000 | 63,877,000 | 68,076,000 |
| Equity capital | 21,401,000 | 21,689,000 | 22,137,000 | 21,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,780,000 | 5,432,000 | 7,889,000 | 10,201,000 |
| Interest expense | 341,000 | 663,000 | 946,000 | 1,184,000 |
| Net interest income | 2,439,000 | 4,769,000 | 6,943,000 | 9,017,000 |
| Noninterest income | 855,000 | 1,398,000 | 2,011,000 | 2,955,000 |
| Noninterest expense | 2,773,000 | 5,614,000 | 8,466,000 | 11,559,000 |
| Provision for loan losses | 0 | 0 | -400,000 | -400,000 |
| Pretax income | 520,000 | 558,000 | 893,000 | 818,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 520,000 | 558,000 | 893,000 | 818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,569,000 | 21,607,000 | 21,942,000 | 21,867,000 |
| Total capital | 23,694,000 | 23,617,000 | 23,807,000 | 23,826,000 |
| Risk-weighted assets | 167,333,000 | 158,159,000 | 146,993,000 | 154,790,000 |