Call reports 2014
UNITED BUSINESS BANK — 2014
What UNITED BUSINESS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 350,255,000 | 509,486,000 | 503,549,000 | 504,391,000 |
| Total loans | 266,309,000 | 338,570,000 | 339,011,000 | 325,408,000 |
| Allowance for loan losses | 2,385,000 | 2,525,000 | 2,650,000 | 2,500,000 |
| Securities available for sale | 0 | 19,305,000 | 18,361,000 | 17,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,382,000 | 447,206,000 | 414,202,000 | 437,941,000 |
| Interest-bearing deposits | 227,931,000 | 340,944,000 | 308,104,000 | 313,713,000 |
| Noninterest-bearing deposits | 66,451,000 | 106,263,000 | 106,098,000 | 124,228,000 |
| Equity capital | 52,846,000 | 54,613,000 | 56,573,000 | 58,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,749,000 | 8,395,000 | 13,868,000 | 19,558,000 |
| Interest expense | 509,000 | 1,095,000 | 1,690,000 | 2,296,000 |
| Net interest income | 3,240,000 | 7,300,000 | 12,178,000 | 17,262,000 |
| Noninterest income | 103,000 | 2,383,000 | 2,942,000 | 3,200,000 |
| Noninterest expense | 2,225,000 | 6,463,000 | 9,448,000 | 12,587,000 |
| Provision for loan losses | 224,000 | 896,000 | 1,038,000 | 1,074,000 |
| Pretax income | 894,000 | 2,418,000 | 4,728,000 | 6,895,000 |
| Income tax | 370,000 | 74,000 | 828,000 | 1,717,000 |
| Net income | 524,000 | 2,344,000 | 3,900,000 | 5,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,801,000 | 49,994,000 | 52,266,000 | 54,175,000 |
| Total capital | 55,186,000 | 52,519,000 | 54,916,000 | 56,675,000 |
| Risk-weighted assets | 266,790,000 | 358,301,000 | 359,162,000 | 343,405,000 |