Call reports 2004
UNIVERSITY BANK — 2004
What UNIVERSITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 82,145,000 | 84,344,000 | 88,219,000 | 88,386,000 |
| Total loans | 73,662,000 | 78,014,000 | 77,832,000 | 78,116,000 |
| Allowance for loan losses | 950,000 | 980,000 | 1,033,000 | 947,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,474,000 | 69,998,000 | 73,656,000 | 73,964,000 |
| Interest-bearing deposits | 62,275,000 | 63,921,000 | 67,026,000 | 66,071,000 |
| Noninterest-bearing deposits | 5,199,000 | 6,077,000 | 6,630,000 | 7,893,000 |
| Equity capital | 5,911,000 | 5,603,000 | 5,802,000 | 6,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,561,000 | 3,892,000 | 5,259,000 |
| Interest expense | 528,000 | 1,067,000 | 1,615,000 | 2,185,000 |
| Net interest income | 734,000 | 1,494,000 | 2,277,000 | 3,074,000 |
| Noninterest income | 119,000 | 254,000 | 388,000 | 519,000 |
| Noninterest expense | 480,000 | 1,005,000 | 1,533,000 | 2,074,000 |
| Provision for loan losses | 95,000 | 164,000 | 236,000 | 241,000 |
| Pretax income | 278,000 | 579,000 | 896,000 | 1,278,000 |
| Income tax | 102,000 | 211,000 | 329,000 | 470,000 |
| Net income | 176,000 | 368,000 | 567,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,911,000 | 5,603,000 | 5,802,000 | 6,044,000 |
| Total capital | 6,654,000 | 6,382,000 | 6,593,000 | 6,830,000 |
| Risk-weighted assets | 59,164,000 | 62,130,000 | 63,026,000 | 62,706,000 |
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