Call reports 2007
UNIVERSITY BANK — 2007
What UNIVERSITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 110,093,000 | 110,231,000 | 114,936,000 | 115,963,000 |
| Total loans | 95,703,000 | 99,416,000 | 102,944,000 | 106,017,000 |
| Allowance for loan losses | 992,000 | 961,000 | 952,000 | 922,000 |
| Securities available for sale | 134,000 | 134,000 | 100,000 | 100,000 |
| Securities held to maturity | 247,000 | 246,000 | 246,000 | 236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,580,000 | 94,907,000 | 99,219,000 | 100,288,000 |
| Interest-bearing deposits | 82,393,000 | 84,759,000 | 88,800,000 | 89,895,000 |
| Noninterest-bearing deposits | 12,187,000 | 10,147,000 | 10,419,000 | 10,393,000 |
| Equity capital | 7,583,000 | 7,261,000 | 7,723,000 | 8,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,979,000 | 4,014,000 | 6,097,000 | 8,254,000 |
| Interest expense | 1,026,000 | 2,096,000 | 3,199,000 | 4,329,000 |
| Net interest income | 953,000 | 1,918,000 | 2,898,000 | 3,925,000 |
| Noninterest income | 129,000 | 290,000 | 449,000 | 630,000 |
| Noninterest expense | 593,000 | 1,309,000 | 2,038,000 | 2,747,000 |
| Provision for loan losses | 39,000 | 73,000 | 126,000 | 291,000 |
| Pretax income | 450,000 | 826,000 | 1,183,000 | 1,517,000 |
| Income tax | 0 | 233,000 | 250,000 | 265,000 |
| Net income | 450,000 | 593,000 | 933,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,582,000 | 7,262,000 | 7,723,000 | 8,043,000 |
| Total capital | 8,491,000 | 8,209,000 | 8,675,000 | 8,965,000 |
| Risk-weighted assets | 72,610,000 | 75,767,000 | 78,735,000 | 80,356,000 |
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