Call reports 2010
UNIVERSITY BANK — 2010
What UNIVERSITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 112,071,000 | 103,374,000 | 102,200,000 | 104,940,000 |
| Total loans | 80,762,000 | 80,806,000 | 80,495,000 | 78,928,000 |
| Allowance for loan losses | 1,748,000 | 1,869,000 | 1,829,000 | 1,368,000 |
| Securities available for sale | 12,082,000 | 9,909,000 | 11,590,000 | 11,201,000 |
| Securities held to maturity | 198,000 | 173,000 | 173,000 | 173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,334,000 | 85,636,000 | 84,136,000 | 86,316,000 |
| Interest-bearing deposits | 80,211,000 | 76,570,000 | 75,164,000 | 75,982,000 |
| Noninterest-bearing deposits | 9,123,000 | 9,066,000 | 8,972,000 | 10,335,000 |
| Equity capital | 9,730,000 | 9,919,000 | 10,238,000 | 11,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,403,000 | 2,797,000 | 4,136,000 | 5,473,000 |
| Interest expense | 532,000 | 1,009,000 | 1,418,000 | 1,798,000 |
| Net interest income | 871,000 | 1,788,000 | 2,718,000 | 3,675,000 |
| Noninterest income | 85,000 | 294,000 | 403,000 | 492,000 |
| Noninterest expense | 726,000 | 1,455,000 | 2,158,000 | 2,871,000 |
| Provision for loan losses | 321,000 | 538,000 | 538,000 | 571,000 |
| Pretax income | -91,000 | 89,000 | 425,000 | 725,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | -91,000 | 89,000 | 425,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,717,000 | 9,897,000 | 10,213,000 | 11,200,000 |
| Total capital | 10,687,000 | 10,860,000 | 11,154,000 | 12,076,000 |
| Risk-weighted assets | 74,803,000 | 75,352,000 | 74,413,000 | 69,623,000 |
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