Call reports 2006
UNITED BUSINESS BANK — 2006
What UNITED BUSINESS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 46,079,000 | 52,038,000 | 69,720,000 | 74,680,000 |
| Total loans | 40,490,000 | 43,356,000 | 51,396,000 | 58,369,000 |
| Allowance for loan losses | 525,000 | 565,000 | 670,000 | 758,000 |
| Securities available for sale | 1,194,000 | 1,127,000 | 1,094,000 | 1,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,545,000 | 38,379,000 | 55,804,000 | 60,428,000 |
| Interest-bearing deposits | 26,179,000 | 30,461,000 | 47,729,000 | 52,646,000 |
| Noninterest-bearing deposits | 6,366,000 | 7,917,000 | 8,075,000 | 7,782,000 |
| Equity capital | 13,419,000 | 13,498,000 | 13,655,000 | 13,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,802,000 | 2,974,000 | 4,374,000 |
| Interest expense | 248,000 | 553,000 | 967,000 | 1,566,000 |
| Net interest income | 578,000 | 1,249,000 | 2,007,000 | 2,808,000 |
| Noninterest income | 21,000 | 43,000 | 67,000 | 102,000 |
| Noninterest expense | 575,000 | 1,195,000 | 1,776,000 | 2,240,000 |
| Provision for loan losses | 55,000 | 95,000 | 200,000 | 288,000 |
| Pretax income | -31,000 | 2,000 | 98,000 | 382,000 |
| Income tax | 1,000 | 1,000 | 1,000 | -44,000 |
| Net income | -32,000 | 1,000 | 97,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,454,000 | 13,540,000 | 13,690,000 | 13,874,000 |
| Total capital | 13,979,000 | 14,105,000 | 14,360,000 | 14,632,000 |
| Risk-weighted assets | 43,337,000 | 46,989,000 | 58,415,000 | 64,171,000 |