Call reports 2017
UBANK — 2017
What UBANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 221,278,000 | 220,974,000 | 222,620,000 | 226,137,000 |
| Total loans | 162,793,000 | 162,444,000 | 162,622,000 | 157,196,000 |
| Allowance for loan losses | 3,344,000 | 3,380,000 | 3,239,000 | 3,276,000 |
| Securities available for sale | 23,024,000 | 22,741,000 | 21,956,000 | 21,935,000 |
| Securities held to maturity | 6,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,091,000 | 191,393,000 | 194,494,000 | 198,383,000 |
| Interest-bearing deposits | 104,034,000 | 104,185,000 | 105,687,000 | 110,042,000 |
| Noninterest-bearing deposits | 88,057,000 | 87,208,000 | 88,807,000 | 88,341,000 |
| Equity capital | 24,195,000 | 24,523,000 | 24,914,000 | 24,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,167,000 | 4,457,000 | 6,775,000 | 9,107,000 |
| Interest expense | 82,000 | 197,000 | 309,000 | 416,000 |
| Net interest income | 2,085,000 | 4,260,000 | 6,466,000 | 8,691,000 |
| Noninterest income | 828,000 | 1,614,000 | 2,368,000 | 3,157,000 |
| Noninterest expense | 2,514,000 | 4,893,000 | 7,331,000 | 9,592,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 399,000 | 981,000 | 1,503,000 | 2,256,000 |
| Income tax | 97,000 | 261,000 | 402,000 | 1,011,000 |
| Net income | 302,000 | 720,000 | 1,101,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,676,000 | 24,764,000 | 25,145,000 | 25,372,000 |
| Total capital | 26,789,000 | 26,874,000 | 27,243,000 | 27,421,000 |
| Risk-weighted assets | 167,883,000 | 167,542,000 | 166,742,000 | 162,720,000 |