Call reports 2001
UNIVERSITY BANK — 2001
What UNIVERSITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 52,228,000 | 55,641,000 | 56,504,000 | 60,742,000 |
| Total loans | 44,784,000 | 48,427,000 | 53,004,000 | 55,686,000 |
| Allowance for loan losses | 464,000 | 495,000 | 520,000 | 560,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,741,000 | 45,942,000 | 46,604,000 | 50,655,000 |
| Interest-bearing deposits | 39,922,000 | 42,134,000 | 42,894,000 | 47,057,000 |
| Noninterest-bearing deposits | 2,819,000 | 3,808,000 | 3,710,000 | 3,598,000 |
| Equity capital | 4,192,000 | 4,352,000 | 4,593,000 | 4,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,125,000 | 3,248,000 | 4,396,000 |
| Interest expense | 689,000 | 1,342,000 | 1,983,000 | 2,615,000 |
| Net interest income | 361,000 | 783,000 | 1,265,000 | 1,781,000 |
| Noninterest income | 82,000 | 152,000 | 222,000 | 305,000 |
| Noninterest expense | 254,000 | 549,000 | 844,000 | 1,207,000 |
| Provision for loan losses | 13,000 | 44,000 | 81,000 | 170,000 |
| Pretax income | 176,000 | 342,000 | 562,000 | 709,000 |
| Income tax | 66,000 | 72,000 | 151,000 | 205,000 |
| Net income | 110,000 | 270,000 | 411,000 | 504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,192,000 | 4,352,000 | 4,593,000 | 4,786,000 |
| Total capital | 4,641,000 | 4,844,000 | 5,113,000 | 5,346,000 |
| Risk-weighted assets | 35,880,000 | 39,352,000 | 42,837,000 | 45,148,000 |