Call reports 2011
UNITED BUSINESS BANK — 2011
What UNITED BUSINESS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 162,889,000 | 168,621,000 | 188,036,000 | 269,611,000 |
| Total loans | 137,070,000 | 144,637,000 | 157,158,000 | 212,118,000 |
| Allowance for loan losses | 2,000,000 | 2,075,000 | 2,240,000 | 2,450,000 |
| Securities available for sale | 148,000 | 26,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,748,000 | 134,018,000 | 153,371,000 | 219,815,000 |
| Interest-bearing deposits | 109,991,000 | 116,116,000 | 123,151,000 | 192,243,000 |
| Noninterest-bearing deposits | 18,757,000 | 17,902,000 | 30,220,000 | 27,572,000 |
| Equity capital | 33,392,000 | 33,696,000 | 34,013,000 | 48,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,195,000 | 4,484,000 | 6,995,000 | 10,323,000 |
| Interest expense | 356,000 | 717,000 | 1,093,000 | 1,664,000 |
| Net interest income | 1,839,000 | 3,767,000 | 5,902,000 | 8,659,000 |
| Noninterest income | 156,000 | 281,000 | 321,000 | 7,922,000 |
| Noninterest expense | 1,239,000 | 2,598,000 | 4,006,000 | 7,561,000 |
| Provision for loan losses | 933,000 | 1,108,000 | 1,357,000 | 1,687,000 |
| Pretax income | -177,000 | 342,000 | 860,000 | 7,333,000 |
| Income tax | -71,000 | 146,000 | 348,000 | 19,000 |
| Net income | -106,000 | 196,000 | 512,000 | 7,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,296,000 | 33,622,000 | 33,959,000 | 46,391,000 |
| Total capital | 35,079,000 | 35,483,000 | 35,993,000 | 48,841,000 |
| Risk-weighted assets | 142,411,000 | 147,896,000 | 161,736,000 | 222,254,000 |