Call reports 2010
UNITED BUSINESS BANK — 2010
What UNITED BUSINESS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 143,228,000 | 141,795,000 | 164,028,000 | 173,977,000 |
| Total loans | 124,648,000 | 127,226,000 | 127,390,000 | 135,883,000 |
| Allowance for loan losses | 1,695,000 | 1,905,000 | 1,700,000 | 2,365,000 |
| Securities available for sale | 281,000 | 227,000 | 199,000 | 180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,339,000 | 124,737,000 | 130,168,000 | 139,458,000 |
| Interest-bearing deposits | 109,479,000 | 109,094,000 | 109,727,000 | 122,304,000 |
| Noninterest-bearing deposits | 16,859,000 | 15,643,000 | 20,441,000 | 17,153,000 |
| Equity capital | 16,327,000 | 16,536,000 | 33,458,000 | 33,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,019,000 | 4,013,000 | 6,039,000 | 8,127,000 |
| Interest expense | 437,000 | 860,000 | 1,264,000 | 1,669,000 |
| Net interest income | 1,582,000 | 3,153,000 | 4,775,000 | 6,458,000 |
| Noninterest income | 85,000 | 172,000 | 258,000 | 365,000 |
| Noninterest expense | 1,129,000 | 2,226,000 | 3,280,000 | 4,391,000 |
| Provision for loan losses | 45,000 | 254,000 | 750,000 | 1,431,000 |
| Pretax income | 493,000 | 845,000 | 1,003,000 | 1,001,000 |
| Income tax | 205,000 | 352,000 | 418,000 | 380,000 |
| Net income | 288,000 | 493,000 | 585,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,146,000 | 16,378,000 | 33,320,000 | 33,380,000 |
| Total capital | 17,804,000 | 18,066,000 | 34,977,000 | 35,157,000 |
| Risk-weighted assets | 131,936,000 | 134,051,000 | 131,863,000 | 140,797,000 |