Call reports 2014
UNIVERSITY BANK — 2014
What UNIVERSITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 113,762,000 | 112,311,000 | 113,469,000 | 111,947,000 |
| Total loans | 79,282,000 | 80,641,000 | 79,825,000 | 77,751,000 |
| Allowance for loan losses | 1,936,000 | 1,832,000 | 1,644,000 | 1,644,000 |
| Securities available for sale | 17,146,000 | 18,919,000 | 19,464,000 | 19,145,000 |
| Securities held to maturity | 5,286,000 | 5,247,000 | 4,383,000 | 4,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,239,000 | 87,815,000 | 88,792,000 | 89,359,000 |
| Interest-bearing deposits | 72,042,000 | 69,646,000 | 70,448,000 | 69,772,000 |
| Noninterest-bearing deposits | 17,197,000 | 18,169,000 | 18,344,000 | 19,587,000 |
| Equity capital | 14,347,000 | 14,672,000 | 14,958,000 | 15,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,381,000 | 3,572,000 | 4,715,000 |
| Interest expense | 208,000 | 413,000 | 613,000 | 800,000 |
| Net interest income | 1,010,000 | 1,968,000 | 2,959,000 | 3,915,000 |
| Noninterest income | 161,000 | 359,000 | 532,000 | 636,000 |
| Noninterest expense | 783,000 | 1,529,000 | 2,280,000 | 3,030,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 41,000 |
| Pretax income | 347,000 | 757,000 | 1,196,000 | 1,514,000 |
| Income tax | 15,000 | 33,000 | 52,000 | 66,000 |
| Net income | 332,000 | 724,000 | 1,144,000 | 1,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,332,000 | 14,606,000 | 14,906,000 | 15,092,000 |
| Total capital | 15,283,000 | 15,572,000 | 15,884,000 | 16,042,000 |
| Risk-weighted assets | 83,875,000 | 85,779,000 | 86,562,000 | 84,421,000 |
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