Call reports 2013
UNITED BUSINESS BANK, F.S.B. — 2013
What UNITED BUSINESS BANK, F.S.B. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 269,079,000 | 271,895,000 | 281,666,000 | 344,824,000 |
| Total loans | 159,752,000 | 171,924,000 | 175,558,000 | 226,355,000 |
| Allowance for loan losses | 2,388,000 | 2,415,000 | 2,540,000 | 2,770,000 |
| Securities available for sale | 19,191,000 | 18,121,000 | 17,231,000 | 30,629,000 |
| Securities held to maturity | 69,000 | 64,000 | 59,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,101,000 | 240,385,000 | 249,948,000 | 305,019,000 |
| Interest-bearing deposits | 102,732,000 | 106,791,000 | 118,789,000 | 161,154,000 |
| Noninterest-bearing deposits | 135,369,000 | 133,594,000 | 131,159,000 | 143,865,000 |
| Equity capital | 26,186,000 | 26,329,000 | 26,616,000 | 33,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,533,000 | 5,080,000 | 7,828,000 | 10,897,000 |
| Interest expense | 68,000 | 129,000 | 189,000 | 265,000 |
| Net interest income | 2,465,000 | 4,951,000 | 7,639,000 | 10,632,000 |
| Noninterest income | 410,000 | 766,000 | 1,293,000 | 3,195,000 |
| Noninterest expense | 2,259,000 | 4,424,000 | 6,823,000 | 9,095,000 |
| Provision for loan losses | 668,000 | 804,000 | 1,029,000 | 1,259,000 |
| Pretax income | -52,000 | 666,000 | 1,257,000 | 3,650,000 |
| Income tax | -15,000 | 229,000 | 408,000 | 974,000 |
| Net income | -37,000 | 437,000 | 849,000 | 2,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,966,000 | 26,393,000 | 26,748,000 | 32,728,000 |
| Total capital | 27,979,000 | 28,525,000 | 28,899,000 | 35,428,000 |
| Risk-weighted assets | 160,641,000 | 170,246,000 | 171,762,000 | 227,476,000 |
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