Call reports 2012
UNIVERSITY BANK — 2012
What UNIVERSITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 109,943,000 | 107,451,000 | 109,250,000 | 107,701,000 |
| Total loans | 84,267,000 | 84,038,000 | 84,818,000 | 84,859,000 |
| Allowance for loan losses | 1,653,000 | 1,667,000 | 1,753,000 | 1,800,000 |
| Securities available for sale | 13,717,000 | 13,969,000 | 12,875,000 | 11,507,000 |
| Securities held to maturity | 539,000 | 2,312,000 | 2,789,000 | 4,017,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,176,000 | 84,987,000 | 86,466,000 | 85,188,000 |
| Interest-bearing deposits | 73,106,000 | 70,138,000 | 71,815,000 | 71,197,000 |
| Noninterest-bearing deposits | 14,070,000 | 14,849,000 | 14,651,000 | 13,991,000 |
| Equity capital | 12,801,000 | 12,895,000 | 13,168,000 | 13,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,298,000 | 2,596,000 | 3,893,000 | 5,151,000 |
| Interest expense | 312,000 | 591,000 | 860,000 | 1,112,000 |
| Net interest income | 986,000 | 2,005,000 | 3,033,000 | 4,039,000 |
| Noninterest income | 140,000 | -23,000 | 124,000 | 354,000 |
| Noninterest expense | 651,000 | 1,329,000 | 1,991,000 | 2,664,000 |
| Provision for loan losses | 101,000 | 202,000 | 301,000 | 336,000 |
| Pretax income | 374,000 | 467,000 | 881,000 | 1,409,000 |
| Income tax | 14,000 | 20,000 | 38,000 | 62,000 |
| Net income | 360,000 | 447,000 | 843,000 | 1,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,725,000 | 12,812,000 | 13,060,000 | 13,238,000 |
| Total capital | 13,725,000 | 13,757,000 | 14,013,000 | 14,210,000 |
| Risk-weighted assets | 84,253,000 | 83,245,000 | 84,168,000 | 85,717,000 |