Call reports 2012
UNITED BUSINESS BANK — 2012
What UNITED BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 285,411,000 | 280,375,000 | 316,480,000 | 316,583,000 |
| Total loans | 215,196,000 | 233,796,000 | 235,157,000 | 227,144,000 |
| Allowance for loan losses | 2,681,000 | 2,785,000 | 3,050,000 | 2,700,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,523,000 | 227,992,000 | 263,079,000 | 261,204,000 |
| Interest-bearing deposits | 198,623,000 | 195,121,000 | 216,965,000 | 220,200,000 |
| Noninterest-bearing deposits | 36,900,000 | 32,871,000 | 46,115,000 | 41,004,000 |
| Equity capital | 48,897,000 | 49,307,000 | 50,049,000 | 50,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,410,000 | 7,156,000 | 11,050,000 | 14,727,000 |
| Interest expense | 586,000 | 1,129,000 | 1,668,000 | 2,237,000 |
| Net interest income | 2,824,000 | 6,027,000 | 9,382,000 | 12,490,000 |
| Noninterest income | 129,000 | 298,000 | 489,000 | 558,000 |
| Noninterest expense | 1,948,000 | 3,903,000 | 5,856,000 | 7,719,000 |
| Provision for loan losses | 224,000 | 858,000 | 1,120,000 | 1,483,000 |
| Pretax income | 781,000 | 1,564,000 | 2,895,000 | 3,846,000 |
| Income tax | 401,000 | 775,000 | 1,363,000 | 1,691,000 |
| Net income | 380,000 | 789,000 | 1,532,000 | 2,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,068,000 | 47,353,000 | 48,701,000 | 49,677,000 |
| Total capital | 49,749,000 | 50,138,000 | 51,751,000 | 52,377,000 |
| Risk-weighted assets | 223,960,000 | 244,250,000 | 248,974,000 | 241,911,000 |