Call reports 2016
UNIVERSAL BANK — 2016
What UNIVERSAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 344,859,000 | 348,162,000 | 355,833,000 | 352,181,000 |
| Total loans | 285,625,000 | 276,242,000 | 281,053,000 | 277,490,000 |
| Allowance for loan losses | 8,047,000 | 8,233,000 | 7,203,000 | 7,535,000 |
| Securities available for sale | 0 | 2,001,000 | 4,005,000 | 6,458,000 |
| Securities held to maturity | 110,000 | 78,000 | 66,000 | 53,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,610,000 | 278,549,000 | 279,711,000 | 285,814,000 |
| Interest-bearing deposits | 251,627,000 | 254,801,000 | 253,637,000 | 259,314,000 |
| Noninterest-bearing deposits | 23,983,000 | 23,748,000 | 26,074,000 | 26,500,000 |
| Equity capital | 45,509,000 | 46,226,000 | 52,416,000 | 52,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,199,000 | 6,304,000 | 9,413,000 | 12,703,000 |
| Interest expense | 335,000 | 696,000 | 1,063,000 | 1,441,000 |
| Net interest income | 2,864,000 | 5,608,000 | 8,350,000 | 11,262,000 |
| Noninterest income | 129,000 | 844,000 | 966,000 | 1,093,000 |
| Noninterest expense | 2,717,000 | 5,460,000 | 7,942,000 | 10,456,000 |
| Provision for loan losses | 0 | 0 | -1,000,000 | -1,000,000 |
| Pretax income | 276,000 | 992,000 | 2,374,000 | 2,899,000 |
| Income tax | 0 | 0 | -4,803,000 | -4,603,000 |
| Net income | 276,000 | 992,000 | 7,177,000 | 7,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,509,000 | 46,226,000 | 51,657,000 | 51,982,000 |
| Total capital | 48,433,000 | 49,072,000 | 54,614,000 | 54,982,000 |
| Risk-weighted assets | 228,825,000 | 222,341,000 | 232,015,000 | 235,159,000 |