Call reports 2022
UNITED BUSINESS BANK — 2022
What UNITED BUSINESS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,736,596,000 | 2,657,382,000 | 2,518,437,000 | 2,495,514,000 |
| Total loans | 2,004,897,000 | 2,005,004,000 | 1,998,457,000 | 2,023,504,000 |
| Allowance for loan losses | 17,700,000 | 17,800,000 | 18,050,000 | 18,900,000 |
| Securities available for sale | 167,976,000 | 162,490,000 | 152,810,000 | 154,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,343,390,000 | 2,260,368,000 | 2,125,343,000 | 2,088,359,000 |
| Interest-bearing deposits | 1,558,707,000 | 1,470,027,000 | 1,311,221,000 | 1,314,491,000 |
| Noninterest-bearing deposits | 784,684,000 | 790,341,000 | 814,122,000 | 773,868,000 |
| Equity capital | 365,166,000 | 368,172,000 | 361,446,000 | 370,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 24,604,000 | 50,026,000 | 76,964,000 | 106,278,000 |
| Interest expense | 1,481,000 | 2,942,000 | 4,332,000 | 6,301,000 |
| Net interest income | 23,123,000 | 47,084,000 | 72,632,000 | 99,977,000 |
| Noninterest income | 4,474,000 | 6,570,000 | 9,388,000 | 10,970,000 |
| Noninterest expense | 18,285,000 | 33,448,000 | 49,491,000 | 65,749,000 |
| Provision for loan losses | 7,000 | 2,630,000 | 3,824,000 | 4,441,000 |
| Pretax income | 9,305,000 | 17,576,000 | 28,705,000 | 40,757,000 |
| Income tax | 2,182,000 | 4,573,000 | 7,788,000 | 11,074,000 |
| Net income | 7,123,000 | 13,003,000 | 20,917,000 | 29,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 322,095,000 | 328,530,000 | 327,231,000 | 336,667,000 |
| Total capital | 340,110,000 | 346,645,000 | 345,596,000 | 355,882,000 |
| Risk-weighted assets | 2,009,851,000 | 2,016,628,000 | 2,025,143,000 | 2,049,884,000 |