Call reports 2009
UNITED BUSINESS BANK — 2009
What UNITED BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 112,374,000 | 150,219,000 | 154,068,000 | 143,410,000 |
| Total loans | 101,151,000 | 121,894,000 | 129,087,000 | 131,624,000 |
| Allowance for loan losses | 1,260,000 | 1,382,000 | 1,520,000 | 1,650,000 |
| Securities available for sale | 617,000 | 377,000 | 333,000 | 301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,357,000 | 128,954,000 | 132,680,000 | 126,550,000 |
| Interest-bearing deposits | 79,068,000 | 111,503,000 | 110,820,000 | 107,124,000 |
| Noninterest-bearing deposits | 12,288,000 | 17,450,000 | 21,860,000 | 19,426,000 |
| Equity capital | 15,681,000 | 15,694,000 | 15,799,000 | 16,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,433,000 | 3,145,000 | 5,154,000 | 7,225,000 |
| Interest expense | 498,000 | 1,127,000 | 1,814,000 | 2,415,000 |
| Net interest income | 935,000 | 2,018,000 | 3,340,000 | 4,810,000 |
| Noninterest income | 55,000 | 126,000 | 207,000 | 300,000 |
| Noninterest expense | 883,000 | 1,904,000 | 2,992,000 | 4,049,000 |
| Provision for loan losses | 40,000 | 162,000 | 300,000 | 430,000 |
| Pretax income | 67,000 | 78,000 | 255,000 | 631,000 |
| Income tax | 29,000 | 39,000 | 122,000 | 271,000 |
| Net income | 38,000 | 39,000 | 133,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,678,000 | 15,453,000 | 15,580,000 | 15,835,000 |
| Total capital | 16,938,000 | 16,835,000 | 17,100,000 | 17,485,000 |
| Risk-weighted assets | 110,648,000 | 134,531,000 | 141,484,000 | 139,189,000 |