Call reports 2013
UNITED BUSINESS BANK — 2013
What UNITED BUSINESS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 310,855,000 | 325,699,000 | 327,181,000 | 342,304,000 |
| Total loans | 229,520,000 | 243,958,000 | 251,786,000 | 253,880,000 |
| Allowance for loan losses | 2,700,000 | 2,800,000 | 3,000,000 | 2,775,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,681,000 | 270,704,000 | 271,347,000 | 286,464,000 |
| Interest-bearing deposits | 209,438,000 | 214,692,000 | 218,096,000 | 228,447,000 |
| Noninterest-bearing deposits | 47,243,000 | 56,013,000 | 53,252,000 | 58,017,000 |
| Equity capital | 51,303,000 | 51,938,000 | 52,573,000 | 52,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,464,000 | 7,140,000 | 10,898,000 | 14,913,000 |
| Interest expense | 514,000 | 1,016,000 | 1,505,000 | 2,000,000 |
| Net interest income | 2,950,000 | 6,124,000 | 9,393,000 | 12,913,000 |
| Noninterest income | 146,000 | 310,000 | 463,000 | 609,000 |
| Noninterest expense | 2,011,000 | 4,130,000 | 6,356,000 | 8,585,000 |
| Provision for loan losses | 11,000 | 147,000 | 258,000 | 348,000 |
| Pretax income | 1,074,000 | 2,157,000 | 3,242,000 | 4,589,000 |
| Income tax | 443,000 | 891,000 | 1,342,000 | 1,899,000 |
| Net income | 631,000 | 1,266,000 | 1,900,000 | 2,690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,406,000 | 50,789,000 | 52,472,000 | 52,260,000 |
| Total capital | 53,106,000 | 53,589,000 | 55,472,000 | 55,035,000 |
| Risk-weighted assets | 242,984,000 | 257,318,000 | 264,235,000 | 268,072,000 |