Call reports 2011
UNIVERSITY BANK — 2011
What UNIVERSITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 100,971,000 | 105,818,000 | 107,111,000 | 108,880,000 |
| Total loans | 79,464,000 | 81,597,000 | 80,669,000 | 83,303,000 |
| Allowance for loan losses | 1,310,000 | 1,358,000 | 1,465,000 | 1,548,000 |
| Securities available for sale | 11,885,000 | 8,287,000 | 14,100,000 | 13,393,000 |
| Securities held to maturity | 173,000 | 149,000 | 148,000 | 149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,381,000 | 82,856,000 | 83,794,000 | 85,375,000 |
| Interest-bearing deposits | 70,414,000 | 70,903,000 | 71,386,000 | 73,675,000 |
| Noninterest-bearing deposits | 9,967,000 | 11,953,000 | 12,408,000 | 11,700,000 |
| Equity capital | 11,492,000 | 12,020,000 | 12,346,000 | 12,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,292,000 | 2,622,000 | 3,942,000 | 5,269,000 |
| Interest expense | 351,000 | 690,000 | 1,036,000 | 1,375,000 |
| Net interest income | 941,000 | 1,932,000 | 2,906,000 | 3,894,000 |
| Noninterest income | 183,000 | 409,000 | 607,000 | 827,000 |
| Noninterest expense | 711,000 | 1,420,000 | 2,180,000 | 2,706,000 |
| Provision for loan losses | 99,000 | 166,000 | 266,000 | 367,000 |
| Pretax income | 314,000 | 755,000 | 1,067,000 | 1,648,000 |
| Income tax | 14,000 | 33,000 | 47,000 | 62,000 |
| Net income | 300,000 | 722,000 | 1,020,000 | 1,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,500,000 | 11,976,000 | 12,274,000 | 12,840,000 |
| Total capital | 12,433,000 | 12,925,000 | 13,219,000 | 13,766,000 |
| Risk-weighted assets | 73,670,000 | 75,248,000 | 74,507,000 | 82,981,000 |