Call reports 2018
UNIVERSAL BANK — 2018
What UNIVERSAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 366,594,000 | 364,850,000 | 370,949,000 | 381,958,000 |
| Total loans | 297,367,000 | 300,638,000 | 294,215,000 | 305,234,000 |
| Allowance for loan losses | 5,486,000 | 4,015,000 | 4,032,000 | 4,043,000 |
| Securities available for sale | 6,421,000 | 6,395,000 | 6,230,000 | 6,338,000 |
| Securities held to maturity | 7,000 | 55,000 | 636,000 | 6,214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,547,000 | 304,199,000 | 309,927,000 | 318,875,000 |
| Interest-bearing deposits | 281,358,000 | 275,831,000 | 281,738,000 | 287,555,000 |
| Noninterest-bearing deposits | 26,189,000 | 28,368,000 | 28,189,000 | 31,320,000 |
| Equity capital | 54,635,000 | 56,420,000 | 56,839,000 | 57,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,398,000 | 7,420,000 | 11,197,000 | 15,037,000 |
| Interest expense | 553,000 | 1,135,000 | 1,801,000 | 2,666,000 |
| Net interest income | 2,845,000 | 6,285,000 | 9,396,000 | 12,371,000 |
| Noninterest income | 737,000 | 914,000 | 1,122,000 | 1,288,000 |
| Noninterest expense | 2,875,000 | 5,552,000 | 8,130,000 | 10,893,000 |
| Provision for loan losses | 0 | -1,600,000 | -1,600,000 | -1,600,000 |
| Pretax income | 707,000 | 3,247,000 | 3,988,000 | 4,366,000 |
| Income tax | 196,000 | 932,000 | 1,138,000 | 1,233,000 |
| Net income | 511,000 | 2,315,000 | 2,850,000 | 3,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,997,000 | 56,800,000 | 57,336,000 | 57,618,000 |
| Total capital | 58,076,000 | 59,896,000 | 60,324,000 | 60,778,000 |
| Risk-weighted assets | 243,936,000 | 246,767,000 | 238,011,000 | 251,940,000 |