Call reports 2009
UNIVERSITY BANK — 2009
What UNIVERSITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 119,377,000 | 115,809,000 | 114,393,000 | 104,994,000 |
| Total loans | 97,302,000 | 91,522,000 | 87,182,000 | 81,921,000 |
| Allowance for loan losses | 1,670,000 | 1,827,000 | 2,047,000 | 1,568,000 |
| Securities available for sale | 101,000 | 3,600,000 | 3,550,000 | 4,524,000 |
| Securities held to maturity | 217,000 | 5,858,000 | 9,364,000 | 8,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,240,000 | 96,764,000 | 95,370,000 | 84,704,000 |
| Interest-bearing deposits | 90,592,000 | 87,656,000 | 86,611,000 | 74,585,000 |
| Noninterest-bearing deposits | 9,648,000 | 9,109,000 | 8,759,000 | 10,119,000 |
| Equity capital | 9,985,000 | 9,991,000 | 10,006,000 | 9,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,786,000 | 3,424,000 | 4,994,000 | 6,468,000 |
| Interest expense | 791,000 | 1,565,000 | 2,290,000 | 2,897,000 |
| Net interest income | 995,000 | 1,859,000 | 2,704,000 | 3,571,000 |
| Noninterest income | 144,000 | 362,000 | 560,000 | 739,000 |
| Noninterest expense | 718,000 | 1,532,000 | 2,284,000 | 3,079,000 |
| Provision for loan losses | 607,000 | 868,000 | 1,145,000 | 1,595,000 |
| Pretax income | -186,000 | -179,000 | -165,000 | -364,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -186,000 | -179,000 | -165,000 | -364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,985,000 | 9,991,000 | 10,006,000 | 9,806,000 |
| Total capital | 10,996,000 | 10,944,000 | 10,943,000 | 10,724,000 |
| Risk-weighted assets | 80,232,000 | 76,402,000 | 73,080,000 | 70,415,000 |
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