Call reports 2015
UNITED BUSINESS BANK, F.S.B. — 2015
What UNITED BUSINESS BANK, F.S.B. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 372,407,000 | 378,308,000 | 385,635,000 | 390,928,000 |
| Total loans | 229,221,000 | 241,817,000 | 244,939,000 | 248,547,000 |
| Allowance for loan losses | 4,640,000 | 4,720,000 | 3,173,000 | 3,257,000 |
| Securities available for sale | 30,641,000 | 29,693,000 | 29,187,000 | 37,138,000 |
| Securities held to maturity | 45,000 | 43,000 | 42,000 | 39,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,341,000 | 336,669,000 | 344,025,000 | 348,124,000 |
| Interest-bearing deposits | 184,015,000 | 175,319,000 | 184,212,000 | 201,775,000 |
| Noninterest-bearing deposits | 147,326,000 | 161,350,000 | 159,813,000 | 146,349,000 |
| Equity capital | 35,054,000 | 35,366,000 | 35,697,000 | 36,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,290,000 | 6,656,000 | 10,164,000 | 13,805,000 |
| Interest expense | 85,000 | 165,000 | 253,000 | 338,000 |
| Net interest income | 3,205,000 | 6,491,000 | 9,911,000 | 13,467,000 |
| Noninterest income | 526,000 | 1,334,000 | 1,958,000 | 2,852,000 |
| Noninterest expense | 3,170,000 | 6,296,000 | 9,292,000 | 12,285,000 |
| Provision for loan losses | 0 | 80,000 | 1,035,000 | 1,075,000 |
| Pretax income | 561,000 | 1,433,000 | 1,526,000 | 2,943,000 |
| Income tax | 191,000 | 487,000 | 364,000 | 908,000 |
| Net income | 370,000 | 946,000 | 1,162,000 | 2,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,045,000 | 34,882,000 | 35,062,000 | 35,846,000 |
| Total capital | 36,819,000 | 37,923,000 | 38,182,000 | 39,034,000 |
| Risk-weighted assets | 220,049,000 | 241,582,000 | 249,566,000 | 254,951,000 |
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