Call reports 2005
UNIVERSITY BANK — 2005
What UNIVERSITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,744,000 | 88,217,000 | 88,966,000 | 98,368,000 |
| Total loans | 77,803,000 | 79,135,000 | 80,354,000 | 86,016,000 |
| Allowance for loan losses | 964,000 | 920,000 | 935,000 | 841,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,979,000 | 73,542,000 | 74,072,000 | 83,673,000 |
| Interest-bearing deposits | 65,955,000 | 65,797,000 | 66,719,000 | 74,611,000 |
| Noninterest-bearing deposits | 7,024,000 | 7,745,000 | 7,354,000 | 9,061,000 |
| Equity capital | 6,264,000 | 6,198,000 | 6,438,000 | 6,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,320,000 | 2,703,000 | 4,131,000 | 5,674,000 |
| Interest expense | 574,000 | 1,172,000 | 1,816,000 | 2,591,000 |
| Net interest income | 746,000 | 1,531,000 | 2,315,000 | 3,083,000 |
| Noninterest income | 121,000 | 241,000 | 426,000 | 526,000 |
| Noninterest expense | 495,000 | 1,045,000 | 1,600,000 | 2,193,000 |
| Provision for loan losses | 24,000 | 49,000 | 88,000 | 110,000 |
| Pretax income | 348,000 | 678,000 | 1,053,000 | 1,306,000 |
| Income tax | 128,000 | 248,000 | 383,000 | 472,000 |
| Net income | 220,000 | 430,000 | 670,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,264,000 | 6,198,000 | 6,438,000 | 6,602,000 |
| Total capital | 7,054,000 | 7,015,000 | 7,255,000 | 7,443,000 |
| Risk-weighted assets | 63,125,000 | 65,219,000 | 65,276,000 | 72,613,000 |