Call reports 2018
UBANK — 2018
What UBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 229,642,000 | 232,340,000 | 233,847,000 | 253,557,000 |
| Total loans | 155,101,000 | 163,880,000 | 178,189,000 | 190,014,000 |
| Allowance for loan losses | 3,356,000 | 3,365,000 | 3,382,000 | 3,394,000 |
| Securities available for sale | 22,076,000 | 21,356,000 | 20,586,000 | 20,198,000 |
| Securities held to maturity | 3,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,624,000 | 203,745,000 | 204,460,000 | 209,518,000 |
| Interest-bearing deposits | 111,508,000 | 109,841,000 | 110,715,000 | 111,653,000 |
| Noninterest-bearing deposits | 90,116,000 | 93,904,000 | 93,745,000 | 97,865,000 |
| Equity capital | 25,058,000 | 25,550,000 | 26,186,000 | 26,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,279,000 | 4,739,000 | 7,467,000 | 10,286,000 |
| Interest expense | 106,000 | 215,000 | 330,000 | 497,000 |
| Net interest income | 2,173,000 | 4,524,000 | 7,137,000 | 9,789,000 |
| Noninterest income | 810,000 | 1,567,000 | 2,313,000 | 3,069,000 |
| Noninterest expense | 2,394,000 | 4,849,000 | 7,328,000 | 10,292,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 589,000 | 1,242,000 | 2,122,000 | 2,566,000 |
| Income tax | 110,000 | 237,000 | 409,000 | 490,000 |
| Net income | 479,000 | 1,005,000 | 1,713,000 | 2,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,852,000 | 26,377,000 | 27,085,000 | 27,447,000 |
| Total capital | 27,868,000 | 28,482,000 | 29,359,000 | 29,892,000 |
| Risk-weighted assets | 160,014,000 | 167,142,000 | 180,863,000 | 194,682,000 |