Call reports 2013
UNIVERSITY BANK — 2013
What UNIVERSITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 106,226,000 | 109,571,000 | 111,074,000 | 111,918,000 |
| Total loans | 82,132,000 | 81,637,000 | 80,734,000 | 79,891,000 |
| Allowance for loan losses | 1,786,000 | 1,811,000 | 1,879,000 | 1,883,000 |
| Securities available for sale | 11,109,000 | 13,823,000 | 14,573,000 | 19,133,000 |
| Securities held to maturity | 4,504,000 | 5,312,000 | 5,304,000 | 5,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,993,000 | 87,591,000 | 87,839,000 | 87,771,000 |
| Interest-bearing deposits | 69,319,000 | 70,399,000 | 69,430,000 | 68,663,000 |
| Noninterest-bearing deposits | 14,674,000 | 17,192,000 | 18,409,000 | 19,108,000 |
| Equity capital | 13,666,000 | 13,790,000 | 14,024,000 | 14,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,232,000 | 2,387,000 | 3,608,000 | 4,800,000 |
| Interest expense | 235,000 | 460,000 | 684,000 | 911,000 |
| Net interest income | 997,000 | 1,927,000 | 2,924,000 | 3,889,000 |
| Noninterest income | 196,000 | 388,000 | 608,000 | 846,000 |
| Noninterest expense | 649,000 | 1,403,000 | 2,134,000 | 2,925,000 |
| Provision for loan losses | 100,000 | 199,000 | 315,000 | 414,000 |
| Pretax income | 444,000 | 735,000 | 1,105,000 | 1,418,000 |
| Income tax | 19,000 | 32,000 | 48,000 | 62,000 |
| Net income | 425,000 | 703,000 | 1,057,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,584,000 | 13,782,000 | 14,056,000 | 14,118,000 |
| Total capital | 14,522,000 | 14,723,000 | 15,103,000 | 15,064,000 |
| Risk-weighted assets | 82,917,000 | 82,990,000 | 83,678,000 | 84,074,000 |