Call reports 2023
UNITED BUSINESS BANK — 2023
What UNITED BUSINESS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,532,519,000 | 2,552,135,000 | 2,559,241,000 | 2,535,924,000 |
| Total loans | 2,044,536,000 | 2,013,307,000 | 1,970,078,000 | 1,927,829,000 |
| Allowance for loan losses | 20,400,000 | 19,100,000 | 19,800,000 | 22,000,000 |
| Securities available for sale | 152,427,000 | 146,506,000 | 145,845,000 | 163,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,137,177,000 | 2,155,901,000 | 2,161,086,000 | 2,145,756,000 |
| Interest-bearing deposits | 1,428,466,000 | 1,490,639,000 | 1,493,153,000 | 1,498,587,000 |
| Noninterest-bearing deposits | 708,711,000 | 665,263,000 | 667,933,000 | 647,169,000 |
| Equity capital | 362,380,000 | 357,595,000 | 364,545,000 | 358,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 29,866,000 | 60,918,000 | 93,530,000 | 125,509,000 |
| Interest expense | 3,759,000 | 9,686,000 | 16,621,000 | 24,243,000 |
| Net interest income | 26,107,000 | 51,232,000 | 76,909,000 | 101,266,000 |
| Noninterest income | 2,532,000 | 4,625,000 | 6,633,000 | 8,443,000 |
| Noninterest expense | 16,479,000 | 32,952,000 | 49,289,000 | 64,308,000 |
| Provision for loan losses | 315,000 | -925,000 | -200,000 | 2,150,000 |
| Pretax income | 11,885,000 | 23,890,000 | 34,564,000 | 43,386,000 |
| Income tax | 3,344,000 | 6,753,000 | 9,786,000 | 12,198,000 |
| Net income | 8,541,000 | 17,137,000 | 24,778,000 | 31,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 329,130,000 | 328,276,000 | 336,437,000 | 328,303,000 |
| Total capital | 349,850,000 | 347,676,000 | 356,487,000 | 350,528,000 |
| Risk-weighted assets | 2,005,607,000 | 1,977,037,000 | 1,955,666,000 | 1,938,270,000 |