Call reports 2015
UNIVERSAL BANK — 2015
What UNIVERSAL 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 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 327,772,000 | 326,812,000 | 334,726,000 | 337,295,000 |
| Total loans | 260,456,000 | 277,606,000 | 290,292,000 | 279,460,000 |
| Allowance for loan losses | 8,924,000 | 8,938,000 | 8,003,000 | 8,021,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 207,000 | 166,000 | 144,000 | 129,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,947,000 | 260,525,000 | 266,602,000 | 268,589,000 |
| Interest-bearing deposits | 239,893,000 | 238,604,000 | 244,307,000 | 245,548,000 |
| Noninterest-bearing deposits | 22,054,000 | 21,921,000 | 22,295,000 | 23,041,000 |
| Equity capital | 42,508,000 | 42,929,000 | 44,566,000 | 45,234,000 |
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 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,942,000 | 5,943,000 | 9,237,000 | 12,414,000 |
| Interest expense | 251,000 | 523,000 | 811,000 | 1,113,000 |
| Net interest income | 2,691,000 | 5,420,000 | 8,426,000 | 11,301,000 |
| Noninterest income | 116,000 | 212,000 | 319,000 | 552,000 |
| Noninterest expense | 2,454,000 | 4,857,000 | 7,334,000 | 9,774,000 |
| Provision for loan losses | -1,000,000 | -1,000,000 | -2,000,000 | -2,000,000 |
| Pretax income | 1,353,000 | 1,775,000 | 3,411,000 | 4,079,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,353,000 | 1,775,000 | 3,411,000 | 4,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,508,000 | 42,929,000 | 44,566,000 | 45,234,000 |
| Total capital | 45,454,000 | 45,953,000 | 47,641,000 | 48,116,000 |
| Risk-weighted assets | 229,689,000 | 235,950,000 | 241,075,000 | 225,465,000 |