Call reports 2017
UNIVERSAL BANK — 2017
What UNIVERSAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 348,822,000 | 364,667,000 | 386,955,000 | 374,752,000 |
| Total loans | 284,914,000 | 287,134,000 | 288,279,000 | 301,583,000 |
| Allowance for loan losses | 7,550,000 | 7,571,000 | 4,906,000 | 5,452,000 |
| Securities available for sale | 6,469,000 | 6,657,000 | 6,633,000 | 6,716,000 |
| Securities held to maturity | 43,000 | 32,000 | 22,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,189,000 | 297,490,000 | 317,604,000 | 316,638,000 |
| Interest-bearing deposits | 255,172,000 | 271,498,000 | 289,616,000 | 290,310,000 |
| Noninterest-bearing deposits | 27,017,000 | 25,992,000 | 27,988,000 | 26,328,000 |
| Equity capital | 52,623,000 | 52,943,000 | 55,077,000 | 54,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,102,000 | 6,286,000 | 9,692,000 | 12,985,000 |
| Interest expense | 376,000 | 805,000 | 1,317,000 | 1,872,000 |
| Net interest income | 2,726,000 | 5,481,000 | 8,375,000 | 11,113,000 |
| Noninterest income | 130,000 | 264,000 | 371,000 | 487,000 |
| Noninterest expense | 2,608,000 | 5,169,000 | 7,871,000 | 10,639,000 |
| Provision for loan losses | 0 | 0 | -3,300,000 | -3,300,000 |
| Pretax income | 248,000 | 576,000 | 4,175,000 | 4,261,000 |
| Income tax | 87,000 | 206,000 | 1,657,000 | 2,511,000 |
| Net income | 161,000 | 370,000 | 2,518,000 | 1,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,163,000 | 52,363,000 | 54,511,000 | 54,486,000 |
| Total capital | 55,311,000 | 55,546,000 | 57,612,000 | 57,730,000 |
| Risk-weighted assets | 247,267,000 | 250,092,000 | 246,170,000 | 257,301,000 |