Call reports 2019
UNITED BUSINESS BANK — 2019
What UNITED BUSINESS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,481,799,000 | 1,770,964,000 | 1,769,856,000 | 1,992,789,000 |
| Total loans | 969,174,000 | 1,220,423,000 | 1,237,048,000 | 1,459,855,000 |
| Allowance for loan losses | 5,405,000 | 5,880,000 | 6,360,000 | 7,400,000 |
| Securities available for sale | 97,299,000 | 100,271,000 | 99,017,000 | 119,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,288,431,000 | 1,509,280,000 | 1,501,903,000 | 1,701,939,000 |
| Interest-bearing deposits | 871,375,000 | 970,711,000 | 978,012,000 | 1,129,520,000 |
| Noninterest-bearing deposits | 417,056,000 | 538,569,000 | 523,892,000 | 572,419,000 |
| Equity capital | 176,108,000 | 238,226,000 | 244,587,000 | 260,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 16,357,000 | 34,305,000 | 54,694,000 | 76,544,000 |
| Interest expense | 1,448,000 | 3,294,000 | 5,820,000 | 8,375,000 |
| Net interest income | 14,909,000 | 31,011,000 | 48,874,000 | 68,169,000 |
| Noninterest income | 2,171,000 | 4,756,000 | 6,902,000 | 9,748,000 |
| Noninterest expense | 9,737,000 | 24,529,000 | 36,161,000 | 51,410,000 |
| Provision for loan losses | 277,000 | 722,000 | 1,201,000 | 2,224,000 |
| Pretax income | 7,066,000 | 10,522,000 | 18,420,000 | 24,289,000 |
| Income tax | 2,050,000 | 3,182,000 | 5,400,000 | 6,557,000 |
| Net income | 5,016,000 | 7,340,000 | 13,020,000 | 17,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,544,000 | 201,766,000 | 208,360,000 | 213,749,000 |
| Total capital | 158,279,000 | 208,021,000 | 215,095,000 | 221,564,000 |
| Risk-weighted assets | 997,653,000 | 1,243,558,000 | 1,266,484,000 | 1,501,909,000 |