Call reports 2014
UNITED BUSINESS BANK, F.S.B. — 2014
What UNITED BUSINESS BANK, F.S.B. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 338,902,000 | 350,380,000 | 353,609,000 | 362,305,000 |
| Total loans | 218,604,000 | 217,921,000 | 217,077,000 | 223,217,000 |
| Allowance for loan losses | 2,915,000 | 4,640,000 | 4,640,000 | 4,640,000 |
| Securities available for sale | 29,963,000 | 29,610,000 | 28,883,000 | 28,507,000 |
| Securities held to maturity | 54,000 | 52,000 | 50,000 | 47,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,462,000 | 310,780,000 | 313,588,000 | 321,668,000 |
| Interest-bearing deposits | 163,705,000 | 168,402,000 | 173,692,000 | 182,812,000 |
| Noninterest-bearing deposits | 134,757,000 | 142,378,000 | 139,896,000 | 138,856,000 |
| Equity capital | 34,226,000 | 33,851,000 | 34,109,000 | 34,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,395,000 | 6,742,000 | 9,999,000 | 13,341,000 |
| Interest expense | 94,000 | 187,000 | 281,000 | 367,000 |
| Net interest income | 3,301,000 | 6,555,000 | 9,718,000 | 12,974,000 |
| Noninterest income | 354,000 | 1,060,000 | 1,666,000 | 2,292,000 |
| Noninterest expense | 2,825,000 | 5,706,000 | 9,061,000 | 12,224,000 |
| Provision for loan losses | 145,000 | 1,870,000 | 1,870,000 | 1,870,000 |
| Pretax income | 707,000 | 61,000 | 475,000 | 1,194,000 |
| Income tax | 217,000 | 141,000 | 282,000 | 527,000 |
| Net income | 490,000 | -80,000 | 193,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,490,000 | 33,228,000 | 33,462,000 | 33,892,000 |
| Total capital | 36,291,000 | 35,990,000 | 36,204,000 | 36,747,000 |
| Risk-weighted assets | 223,907,000 | 220,135,000 | 217,443,000 | 226,559,000 |