Call reports 2015
UNIVERSITY BANK — 2015
What UNIVERSITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 113,118,000 | 114,841,000 | 113,962,000 |
| Total loans | 77,327,000 | 79,298,000 | 72,380,000 |
| Allowance for loan losses | 1,728,000 | 1,719,000 | 1,713,000 |
| Securities available for sale | 21,654,000 | 19,631,000 | 1,602,000 |
| Securities held to maturity | 4,349,000 | 4,305,000 | 5,798,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 90,905,000 | 92,802,000 | 91,970,000 |
| Interest-bearing deposits | 71,437,000 | 72,442,000 | 70,356,000 |
| Noninterest-bearing deposits | 19,468,000 | 20,360,000 | 21,614,000 |
| Equity capital | 15,480,000 | 15,667,000 | 15,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 1,131,000 | 2,289,000 | 3,362,000 |
| Interest expense | 168,000 | 326,000 | 467,000 |
| Net interest income | 963,000 | 1,963,000 | 2,895,000 |
| Noninterest income | 173,000 | 347,000 | 525,000 |
| Noninterest expense | 738,000 | 1,482,000 | 2,320,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 |
| Pretax income | 414,000 | 854,000 | 1,108,000 |
| Income tax | 18,000 | 37,000 | 48,000 |
| Net income | 396,000 | 817,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 15,370,000 | 15,672,000 | 15,799,000 |
| Total capital | 16,454,000 | 16,760,000 | 16,777,000 |
| Risk-weighted assets | 86,076,000 | 86,423,000 | 77,545,000 |