Call reports 2014
UNIVERSAL BANK — 2014
What UNIVERSAL 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 | 314,392,000 | 315,715,000 | 321,411,000 | 316,829,000 |
| Total loans | 261,175,000 | 250,580,000 | 269,944,000 | 263,718,000 |
| Allowance for loan losses | 9,822,000 | 9,848,000 | 9,896,000 | 9,908,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 285,000 | 263,000 | 243,000 | 225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,889,000 | 261,753,000 | 257,113,000 | 252,372,000 |
| Interest-bearing deposits | 241,106,000 | 241,706,000 | 236,407,000 | 232,372,000 |
| Noninterest-bearing deposits | 19,783,000 | 20,047,000 | 20,706,000 | 20,000,000 |
| Equity capital | 39,778,000 | 40,332,000 | 40,698,000 | 41,155,000 |
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 | 2,748,000 | 5,796,000 | 8,718,000 | 11,813,000 |
| Interest expense | 227,000 | 472,000 | 726,000 | 980,000 |
| Net interest income | 2,521,000 | 5,324,000 | 7,992,000 | 10,833,000 |
| Noninterest income | 123,000 | 237,000 | 333,000 | 463,000 |
| Noninterest expense | 2,802,000 | 5,283,000 | 7,682,000 | 10,194,000 |
| Provision for loan losses | -330,000 | -448,000 | -448,000 | -447,000 |
| Pretax income | 172,000 | 726,000 | 1,091,000 | 1,549,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 171,000 | 725,000 | 1,090,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,778,000 | 40,332,000 | 40,698,000 | 41,155,000 |
| Total capital | 42,843,000 | 43,264,000 | 43,824,000 | 44,163,000 |
| Risk-weighted assets | 238,413,000 | 227,569,000 | 243,302,000 | 233,761,000 |