Call reports 2021
UNITED BUSINESS BANK — 2021
What UNITED BUSINESS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,287,125,000 | 2,315,433,000 | 2,347,016,000 | 2,329,894,000 |
| Total loans | 1,588,808,000 | 1,599,956,000 | 1,652,057,000 | 1,671,359,000 |
| Allowance for loan losses | 17,500,000 | 17,000,000 | 17,300,000 | 17,700,000 |
| Securities available for sale | 111,146,000 | 122,478,000 | 127,483,000 | 155,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,973,301,000 | 1,997,360,000 | 2,027,200,000 | 2,000,937,000 |
| Interest-bearing deposits | 1,245,427,000 | 1,267,179,000 | 1,291,271,000 | 1,286,512,000 |
| Noninterest-bearing deposits | 727,874,000 | 730,180,000 | 735,929,000 | 714,425,000 |
| Equity capital | 280,118,000 | 287,269,000 | 293,118,000 | 299,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 20,271,000 | 40,138,000 | 59,921,000 | 81,091,000 |
| Interest expense | 1,252,000 | 2,509,000 | 3,766,000 | 4,980,000 |
| Net interest income | 19,019,000 | 37,629,000 | 56,155,000 | 76,111,000 |
| Noninterest income | 2,314,000 | 4,842,000 | 8,902,000 | 11,528,000 |
| Noninterest expense | 14,039,000 | 27,404,000 | 41,260,000 | 54,973,000 |
| Provision for loan losses | 0 | -507,000 | -30,000 | 466,000 |
| Pretax income | 7,294,000 | 15,574,000 | 23,827,000 | 32,200,000 |
| Income tax | 2,001,000 | 4,289,000 | 6,506,000 | 8,824,000 |
| Net income | 5,293,000 | 11,285,000 | 17,321,000 | 23,376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 230,045,000 | 237,002,000 | 243,806,000 | 250,624,000 |
| Total capital | 247,960,000 | 254,417,000 | 261,521,000 | 268,639,000 |
| Risk-weighted assets | 1,519,283,000 | 1,564,091,000 | 1,643,938,000 | 1,716,040,000 |