Call reports 2012
UNIVERSAL BANK — 2012
What UNIVERSAL 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 | 429,806,000 | 406,399,000 | 373,566,000 | 358,725,000 |
| Total loans | 356,927,000 | 327,516,000 | 303,371,000 | 280,354,000 |
| Allowance for loan losses | 10,378,000 | 9,085,000 | 9,882,000 | 9,727,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 532,000 | 501,000 | 419,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,242,000 | 365,007,000 | 331,870,000 | 316,610,000 |
| Interest-bearing deposits | 366,203,000 | 349,992,000 | 315,690,000 | 300,871,000 |
| Noninterest-bearing deposits | 15,039,000 | 15,015,000 | 16,180,000 | 15,739,000 |
| Equity capital | 44,500,000 | 38,444,000 | 38,664,000 | 39,301,000 |
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 | 5,042,000 | 9,734,000 | 13,845,000 | 17,582,000 |
| Interest expense | 803,000 | 1,476,000 | 1,930,000 | 2,309,000 |
| Net interest income | 4,239,000 | 8,258,000 | 11,915,000 | 15,273,000 |
| Noninterest income | 298,000 | 746,000 | 758,000 | 1,728,000 |
| Noninterest expense | 3,265,000 | 6,218,000 | 9,729,000 | 13,420,000 |
| Provision for loan losses | 1,200,000 | 8,770,000 | 8,970,000 | 8,970,000 |
| Pretax income | 72,000 | -5,984,000 | -6,026,000 | -5,389,000 |
| Income tax | 0 | 0 | -262,000 | -262,000 |
| Net income | 72,000 | -5,984,000 | -5,764,000 | -5,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,500,000 | 38,444,000 | 38,664,000 | 39,301,000 |
| Total capital | 48,763,000 | 42,185,000 | 42,154,000 | 42,446,000 |
| Risk-weighted assets | 334,888,000 | 293,873,000 | 272,800,000 | 244,976,000 |