Call reports 2015
UBANK — 2015
What UBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 233,059,000 | 230,240,000 | 232,473,000 | 229,535,000 |
| Total loans | 151,685,000 | 147,184,000 | 145,692,000 | 149,971,000 |
| Allowance for loan losses | 3,749,000 | 3,646,000 | 3,568,000 | 3,597,000 |
| Securities available for sale | 34,035,000 | 31,658,000 | 30,747,000 | 32,366,000 |
| Securities held to maturity | 28,000 | 24,000 | 21,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,474,000 | 200,514,000 | 202,102,000 | 201,259,000 |
| Interest-bearing deposits | 118,287,000 | 117,289,000 | 118,690,000 | 117,806,000 |
| Noninterest-bearing deposits | 85,187,000 | 83,225,000 | 83,412,000 | 83,453,000 |
| Equity capital | 23,795,000 | 23,834,000 | 23,244,000 | 23,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,268,000 | 4,417,000 | 6,516,000 | 8,621,000 |
| Interest expense | 117,000 | 227,000 | 333,000 | 436,000 |
| Net interest income | 2,151,000 | 4,190,000 | 6,183,000 | 8,185,000 |
| Noninterest income | 1,041,000 | 2,029,000 | 3,385,000 | 4,231,000 |
| Noninterest expense | 2,592,000 | 5,197,000 | 9,790,000 | 12,633,000 |
| Provision for loan losses | -25,000 | -25,000 | -25,000 | -25,000 |
| Pretax income | 625,000 | 1,047,000 | -197,000 | -209,000 |
| Income tax | 224,000 | 358,000 | -73,000 | -93,000 |
| Net income | 401,000 | 689,000 | -124,000 | -116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,926,000 | 24,214,000 | 23,401,000 | 23,409,000 |
| Total capital | 25,922,000 | 26,112,000 | 25,267,000 | 25,400,000 |
| Risk-weighted assets | 157,932,000 | 150,106,000 | 147,580,000 | 157,718,000 |