Call reports 2015
UNITED BUSINESS BANK — 2015
What UNITED BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 613,955,000 | 606,021,000 | 630,039,000 | 623,704,000 |
| Total loans | 404,969,000 | 400,224,000 | 419,934,000 | 464,458,000 |
| Allowance for loan losses | 2,900,000 | 3,100,000 | 3,325,000 | 3,850,000 |
| Securities available for sale | 39,029,000 | 33,107,000 | 28,991,000 | 23,528,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 530,772,000 | 524,283,000 | 545,722,000 | 543,304,000 |
| Interest-bearing deposits | 379,515,000 | 372,608,000 | 394,730,000 | 391,291,000 |
| Noninterest-bearing deposits | 151,257,000 | 151,675,000 | 150,992,000 | 152,013,000 |
| Equity capital | 71,799,000 | 74,034,000 | 76,228,000 | 72,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,611,000 | 12,020,000 | 18,842,000 | 25,605,000 |
| Interest expense | 628,000 | 1,298,000 | 1,984,000 | 2,679,000 |
| Net interest income | 4,983,000 | 10,722,000 | 16,858,000 | 22,926,000 |
| Noninterest income | 6,607,000 | 8,130,000 | 8,532,000 | 6,762,000 |
| Noninterest expense | 5,874,000 | 10,549,000 | 14,861,000 | 19,113,000 |
| Provision for loan losses | 422,000 | 700,000 | 910,000 | 1,412,000 |
| Pretax income | 5,294,000 | 7,603,000 | 9,619,000 | 9,163,000 |
| Income tax | -95,000 | 326,000 | 1,146,000 | 1,711,000 |
| Net income | 5,389,000 | 7,277,000 | 8,473,000 | 7,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,819,000 | 67,936,000 | 70,228,000 | 66,628,000 |
| Total capital | 67,719,000 | 71,296,000 | 73,813,000 | 70,758,000 |
| Risk-weighted assets | 418,130,000 | 422,574,000 | 451,960,000 | 500,922,000 |