Call reports 2020
UNITED BUSINESS BANK — 2020
What UNITED BUSINESS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,167,535,000 | 2,188,395,000 | 2,270,142,000 | 2,194,957,000 |
| Total loans | 1,626,913,000 | 1,724,674,000 | 1,706,139,000 | 1,651,976,000 |
| Allowance for loan losses | 9,100,000 | 13,500,000 | 15,800,000 | 17,500,000 |
| Securities available for sale | 123,926,000 | 121,439,000 | 113,709,000 | 115,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,779,729,000 | 1,888,121,000 | 1,964,578,000 | 1,887,847,000 |
| Interest-bearing deposits | 1,176,607,000 | 1,184,504,000 | 1,250,914,000 | 1,207,267,000 |
| Noninterest-bearing deposits | 603,122,000 | 703,617,000 | 713,664,000 | 680,580,000 |
| Equity capital | 259,631,000 | 264,166,000 | 269,711,000 | 275,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 22,490,000 | 45,301,000 | 66,524,000 | 87,192,000 |
| Interest expense | 2,337,000 | 4,044,000 | 5,624,000 | 7,066,000 |
| Net interest income | 20,153,000 | 41,257,000 | 60,900,000 | 80,126,000 |
| Noninterest income | 2,626,000 | 3,979,000 | 5,857,000 | 8,982,000 |
| Noninterest expense | 16,782,000 | 30,207,000 | 44,298,000 | 58,157,000 |
| Provision for loan losses | 1,713,000 | 6,111,000 | 8,404,000 | 10,320,000 |
| Pretax income | 4,284,000 | 8,918,000 | 14,055,000 | 20,631,000 |
| Income tax | 1,259,000 | 2,546,000 | 3,901,000 | 5,203,000 |
| Net income | 3,025,000 | 6,372,000 | 10,154,000 | 15,428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 208,063,000 | 212,218,000 | 218,216,000 | 224,169,000 |
| Total capital | 217,578,000 | 226,133,000 | 234,431,000 | 242,084,000 |
| Risk-weighted assets | 1,657,589,000 | 1,663,133,000 | 1,627,244,000 | 1,575,996,000 |