Call reports 2016
UNITED BUSINESS BANK, F.S.B. — 2016
What UNITED BUSINESS BANK, F.S.B. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 401,066,000 | 435,636,000 | 450,688,000 | 462,338,000 |
| Total loans | 268,790,000 | 279,487,000 | 307,058,000 | 316,677,000 |
| Allowance for loan losses | 3,187,000 | 3,317,000 | 3,320,000 | 3,194,000 |
| Securities available for sale | 32,819,000 | 32,144,000 | 29,560,000 | 28,078,000 |
| Securities held to maturity | 37,000 | 36,000 | 34,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,011,000 | 391,735,000 | 406,117,000 | 418,014,000 |
| Interest-bearing deposits | 208,799,000 | 223,791,000 | 238,202,000 | 257,837,000 |
| Noninterest-bearing deposits | 149,212,000 | 167,944,000 | 167,915,000 | 160,177,000 |
| Equity capital | 37,386,000 | 38,617,000 | 39,165,000 | 39,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,032,000 | 8,003,000 | 11,764,000 | 15,900,000 |
| Interest expense | 76,000 | 151,000 | 224,000 | 304,000 |
| Net interest income | 3,956,000 | 7,852,000 | 11,540,000 | 15,596,000 |
| Noninterest income | 671,000 | 1,229,000 | 1,867,000 | 3,052,000 |
| Noninterest expense | 3,041,000 | 6,137,000 | 9,353,000 | 12,616,000 |
| Provision for loan losses | 115,000 | -340,000 | -340,000 | -340,000 |
| Pretax income | 1,471,000 | 3,284,000 | 4,394,000 | 6,372,000 |
| Income tax | 563,000 | 1,267,000 | 1,686,000 | 2,526,000 |
| Net income | 908,000 | 2,017,000 | 2,708,000 | 3,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,850,000 | 37,926,000 | 38,571,000 | 39,675,000 |
| Total capital | 40,047,000 | 41,253,000 | 41,901,000 | 42,879,000 |
| Risk-weighted assets | 267,207,000 | 273,243,000 | 295,914,000 | 299,611,000 |