Call reports 2005
UNITED BUSINESS BANK — 2005
What UNITED BUSINESS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 29,387,000 | 37,254,000 | 48,136,000 | 43,347,000 |
| Total loans | 21,102,000 | 27,629,000 | 32,633,000 | 35,903,000 |
| Allowance for loan losses | 260,000 | 345,000 | 420,000 | 470,000 |
| Securities available for sale | 1,613,000 | 1,481,000 | 1,357,000 | 1,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,667,000 | 23,624,000 | 34,532,000 | 29,748,000 |
| Interest-bearing deposits | 13,553,000 | 20,332,000 | 29,829,000 | 25,501,000 |
| Noninterest-bearing deposits | 2,113,000 | 3,293,000 | 4,702,000 | 4,247,000 |
| Equity capital | 13,644,000 | 13,484,000 | 13,387,000 | 13,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 355,000 | 868,000 | 1,559,000 | 2,329,000 |
| Interest expense | 64,000 | 181,000 | 388,000 | 638,000 |
| Net interest income | 291,000 | 687,000 | 1,171,000 | 1,691,000 |
| Noninterest income | 11,000 | 25,000 | 43,000 | 62,000 |
| Noninterest expense | 435,000 | 972,000 | 1,508,000 | 1,983,000 |
| Provision for loan losses | 85,000 | 170,000 | 245,000 | 295,000 |
| Pretax income | -218,000 | -430,000 | -539,000 | -525,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -219,000 | -431,000 | -540,000 | -526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,676,000 | 13,514,000 | 13,418,000 | 13,436,000 |
| Total capital | 13,936,000 | 13,859,000 | 13,838,000 | 13,906,000 |
| Risk-weighted assets | 23,020,000 | 29,574,000 | 35,547,000 | 38,074,000 |