Call reports 2012
UNITED BUSINESS BANK, F.S.B. — 2012
What UNITED BUSINESS BANK, F.S.B. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 297,970,000 | 293,328,000 | 282,805,000 | 286,964,000 |
| Total loans | 159,233,000 | 156,856,000 | 161,078,000 | 171,660,000 |
| Allowance for loan losses | 2,242,000 | 2,242,000 | 2,367,000 | 2,425,000 |
| Securities available for sale | 18,012,000 | 22,710,000 | 18,754,000 | 20,071,000 |
| Securities held to maturity | 83,000 | 79,000 | 76,000 | 73,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,391,000 | 263,238,000 | 252,088,000 | 255,891,000 |
| Interest-bearing deposits | 139,801,000 | 128,259,000 | 118,813,000 | 115,053,000 |
| Noninterest-bearing deposits | 128,589,000 | 134,979,000 | 133,275,000 | 140,838,000 |
| Equity capital | 25,217,000 | 25,474,000 | 26,013,000 | 26,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,754,000 | 5,331,000 | 7,954,000 | 10,643,000 |
| Interest expense | 131,000 | 239,000 | 335,000 | 423,000 |
| Net interest income | 2,623,000 | 5,092,000 | 7,619,000 | 10,220,000 |
| Noninterest income | 124,000 | 244,000 | 712,000 | 1,343,000 |
| Noninterest expense | 2,376,000 | 4,506,000 | 6,732,000 | 9,079,000 |
| Provision for loan losses | 75,000 | 75,000 | 200,000 | 400,000 |
| Pretax income | 862,000 | 1,321,000 | 2,098,000 | 2,783,000 |
| Income tax | 267,000 | 421,000 | 671,000 | 902,000 |
| Net income | 595,000 | 900,000 | 1,427,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,926,000 | 25,182,000 | 25,659,000 | 26,065,000 |
| Total capital | 26,957,000 | 27,208,000 | 27,711,000 | 28,191,000 |
| Risk-weighted assets | 161,525,000 | 161,897,000 | 163,846,000 | 169,782,000 |