Call reports 2024
UNITED BUSINESS BANK — 2024
What UNITED BUSINESS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,543,555,000 | 2,576,770,000 | 2,543,655,000 | 2,646,302,000 |
| Total loans | 1,888,415,000 | 1,864,172,000 | 1,914,358,000 | 1,955,112,000 |
| Allowance for loan losses | 18,890,000 | 19,000,000 | 18,310,000 | 17,900,000 |
| Securities available for sale | 167,920,000 | 183,633,000 | 193,762,000 | 193,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,148,266,000 | 2,175,060,000 | 2,147,304,000 | 2,243,144,000 |
| Interest-bearing deposits | 1,517,517,000 | 1,556,396,000 | 1,528,223,000 | 1,553,645,000 |
| Noninterest-bearing deposits | 630,749,000 | 618,664,000 | 619,081,000 | 689,499,000 |
| Equity capital | 365,601,000 | 372,833,000 | 366,122,000 | 372,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 31,594,000 | 63,787,000 | 96,999,000 | 130,915,000 |
| Interest expense | 8,283,000 | 17,293,000 | 26,817,000 | 36,333,000 |
| Net interest income | 23,311,000 | 46,494,000 | 70,182,000 | 94,582,000 |
| Noninterest income | 1,549,000 | 3,448,000 | 4,866,000 | 6,248,000 |
| Noninterest expense | 16,030,000 | 31,999,000 | 48,016,000 | 63,942,000 |
| Provision for loan losses | 262,000 | 449,000 | 1,302,000 | 891,000 |
| Pretax income | 8,578,000 | 17,519,000 | 25,365,000 | 35,622,000 |
| Income tax | 2,396,000 | 4,776,000 | 6,923,000 | 9,306,000 |
| Net income | 6,182,000 | 12,743,000 | 18,442,000 | 26,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 335,964,000 | 342,858,000 | 333,965,000 | 342,614,000 |
| Total capital | 355,069,000 | 362,058,000 | 352,865,000 | 361,114,000 |
| Risk-weighted assets | 1,986,703,000 | 1,962,785,000 | 1,986,540,000 | 2,022,103,000 |