Call reports 2021
UBANK — 2021
What UBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 337,571,000 | 350,721,000 | 380,224,000 | 396,772,000 |
| Total loans | 248,059,000 | 266,832,000 | 299,551,000 | 304,615,000 |
| Allowance for loan losses | 3,765,000 | 3,980,000 | 4,016,000 | 4,561,000 |
| Securities available for sale | 16,221,000 | 15,333,000 | 14,526,000 | 23,201,000 |
| Securities held to maturity | 3,975,000 | 3,986,000 | 3,997,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,657,000 | 308,381,000 | 333,327,000 | 350,052,000 |
| Interest-bearing deposits | 181,872,000 | 193,160,000 | 207,121,000 | 217,249,000 |
| Noninterest-bearing deposits | 117,785,000 | 115,221,000 | 126,206,000 | 132,803,000 |
| Equity capital | 30,435,000 | 34,592,000 | 39,205,000 | 39,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,658,000 | 7,578,000 | 11,602,000 | 15,676,000 |
| Interest expense | 243,000 | 493,000 | 751,000 | 1,020,000 |
| Net interest income | 3,415,000 | 7,085,000 | 10,851,000 | 14,656,000 |
| Noninterest income | 719,000 | 1,361,000 | 2,327,000 | 3,118,000 |
| Noninterest expense | 2,867,000 | 5,692,000 | 8,772,000 | 12,312,000 |
| Provision for loan losses | 0 | 200,000 | 775,000 | 1,260,000 |
| Pretax income | 1,267,000 | 2,554,000 | 3,631,000 | 4,202,000 |
| Income tax | 266,000 | 537,000 | 763,000 | 884,000 |
| Net income | 1,001,000 | 2,017,000 | 2,868,000 | 3,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,207,000 | 34,374,000 | 38,955,000 | 39,323,000 |
Machine access — free, no API key
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