Call reports 2016
UBANK — 2016
What UBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 229,442,000 | 221,877,000 | 221,263,000 | 218,594,000 |
| Total loans | 145,842,000 | 146,492,000 | 143,598,000 | 158,136,000 |
| Allowance for loan losses | 3,535,000 | 3,598,000 | 3,538,000 | 3,265,000 |
| Securities available for sale | 32,387,000 | 23,147,000 | 20,460,000 | 23,427,000 |
| Securities held to maturity | 13,000 | 11,000 | 9,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,933,000 | 193,008,000 | 192,426,000 | 189,748,000 |
| Interest-bearing deposits | 116,487,000 | 111,305,000 | 107,840,000 | 108,288,000 |
| Noninterest-bearing deposits | 84,446,000 | 81,703,000 | 84,586,000 | 81,460,000 |
| Equity capital | 23,517,000 | 23,724,000 | 23,864,000 | 23,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,140,000 | 4,270,000 | 6,289,000 | 8,543,000 |
| Interest expense | 94,000 | 180,000 | 262,000 | 345,000 |
| Net interest income | 2,046,000 | 4,090,000 | 6,027,000 | 8,198,000 |
| Noninterest income | 862,000 | 1,894,000 | 2,765,000 | 3,630,000 |
| Noninterest expense | 2,736,000 | 5,423,000 | 8,165,000 | 10,664,000 |
| Provision for loan losses | 0 | -225,000 | -225,000 | -475,000 |
| Pretax income | 167,000 | 781,000 | 847,000 | 1,668,000 |
| Income tax | 22,000 | 194,000 | 183,000 | 411,000 |
| Net income | 145,000 | 587,000 | 664,000 | 1,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,554,000 | 23,716,000 | 23,793,000 | 24,373,000 |
| Total capital | 25,469,000 | 25,621,000 | 25,650,000 | 26,456,000 |
| Risk-weighted assets | 151,596,000 | 150,720,000 | 146,910,000 | 165,530,000 |