Call reports 2016
UNITED BUSINESS BANK — 2016
What UNITED BUSINESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 632,984,000 | 641,774,000 | 652,692,000 | 675,574,000 |
| Total loans | 494,094,000 | 504,997,000 | 513,571,000 | 508,315,000 |
| Allowance for loan losses | 3,850,000 | 4,220,000 | 4,250,000 | 3,775,000 |
| Securities available for sale | 22,012,000 | 18,184,000 | 15,299,000 | 13,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,943,000 | 535,660,000 | 568,697,000 | 590,759,000 |
| Interest-bearing deposits | 404,267,000 | 402,790,000 | 432,432,000 | 462,062,000 |
| Noninterest-bearing deposits | 148,676,000 | 132,870,000 | 136,265,000 | 128,697,000 |
| Equity capital | 73,215,000 | 74,556,000 | 76,022,000 | 78,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,133,000 | 14,590,000 | 21,643,000 | 29,488,000 |
| Interest expense | 688,000 | 1,398,000 | 2,161,000 | 3,074,000 |
| Net interest income | 6,445,000 | 13,192,000 | 19,482,000 | 26,414,000 |
| Noninterest income | 348,000 | 664,000 | 1,074,000 | 1,318,000 |
| Noninterest expense | 4,436,000 | 8,587,000 | 12,904,000 | 16,786,000 |
| Provision for loan losses | -4,000 | 362,000 | 618,000 | 598,000 |
| Pretax income | 2,361,000 | 4,907,000 | 7,034,000 | 10,348,000 |
| Income tax | 1,012,000 | 2,103,000 | 3,023,000 | 4,436,000 |
| Net income | 1,349,000 | 2,804,000 | 4,011,000 | 5,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,772,000 | 69,190,000 | 70,661,000 | 72,937,000 |
| Total capital | 71,902,000 | 73,690,000 | 75,191,000 | 76,992,000 |
| Risk-weighted assets | 529,832,000 | 539,779,000 | 541,439,000 | 543,053,000 |