Call reports 2019
UBANK — 2019
What UBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 238,112,000 | 241,603,000 | 240,149,000 | 245,480,000 |
| Total loans | 147,275,000 | 165,196,000 | 176,268,000 | 192,518,000 |
| Allowance for loan losses | 3,210,000 | 3,092,000 | 3,154,000 | 2,916,000 |
| Securities available for sale | 19,895,000 | 19,735,000 | 19,047,000 | 18,369,000 |
| Securities held to maturity | 2,000 | 2,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,690,000 | 211,302,000 | 211,190,000 | 216,470,000 |
| Interest-bearing deposits | 109,580,000 | 111,098,000 | 114,170,000 | 119,332,000 |
| Noninterest-bearing deposits | 98,110,000 | 100,204,000 | 97,020,000 | 97,138,000 |
| Equity capital | 27,902,000 | 28,320,000 | 26,684,000 | 26,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,821,000 | 5,522,000 | 8,470,000 | 11,476,000 |
| Interest expense | 193,000 | 378,000 | 589,000 | 825,000 |
| Net interest income | 2,628,000 | 5,144,000 | 7,881,000 | 10,651,000 |
| Noninterest income | 1,324,000 | 2,048,000 | 2,815,000 | 3,399,000 |
| Noninterest expense | 2,695,000 | 5,596,000 | 8,455,000 | 11,535,000 |
| Provision for loan losses | 0 | 0 | 0 | 23,000 |
| Pretax income | 1,257,000 | 1,596,000 | 2,241,000 | 2,492,000 |
| Income tax | 252,000 | 320,000 | 459,000 | 512,000 |
| Net income | 1,005,000 | 1,276,000 | 1,782,000 | 1,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,453,000 | 28,507,000 | 26,802,000 | 27,000,000 |
| Total capital | 30,341,000 | 30,552,000 | 29,024,000 | 29,399,000 |
| Risk-weighted assets | 149,776,000 | 162,594,000 | 176,845,000 | 191,474,000 |