Call reports 2013
UNIVERSAL BANK — 2013
What UNIVERSAL 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 | 340,702,000 | 332,020,000 | 324,021,000 | 313,848,000 |
| Total loans | 249,248,000 | 240,789,000 | 239,876,000 | 224,826,000 |
| Allowance for loan losses | 10,162,000 | 9,915,000 | 9,958,000 | 9,809,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 381,000 | 352,000 | 332,000 | 307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,654,000 | 289,975,000 | 280,943,000 | 270,700,000 |
| Interest-bearing deposits | 282,529,000 | 270,463,000 | 262,100,000 | 251,294,000 |
| Noninterest-bearing deposits | 16,125,000 | 19,512,000 | 18,843,000 | 19,406,000 |
| Equity capital | 38,925,000 | 38,821,000 | 39,441,000 | 39,607,000 |
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 | 3,402,000 | 6,496,000 | 9,490,000 | 12,331,000 |
| Interest expense | 330,000 | 641,000 | 931,000 | 1,199,000 |
| Net interest income | 3,072,000 | 5,855,000 | 8,559,000 | 11,132,000 |
| Noninterest income | 155,000 | 304,000 | 1,255,000 | 1,721,000 |
| Noninterest expense | 3,603,000 | 6,638,000 | 9,679,000 | 12,811,000 |
| Provision for loan losses | 0 | 0 | -14,000 | -314,000 |
| Pretax income | -376,000 | -479,000 | 149,000 | 356,000 |
| Income tax | 0 | 1,000 | 9,000 | 50,000 |
| Net income | -376,000 | -480,000 | 140,000 | 306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,925,000 | 38,821,000 | 39,441,000 | 39,607,000 |
| Total capital | 41,727,000 | 41,553,000 | 42,197,000 | 42,228,000 |
| Risk-weighted assets | 216,615,000 | 211,335,000 | 213,237,000 | 202,469,000 |