Call reports 2019
UNIVERSAL BANK — 2019
What UNIVERSAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 401,853,000 | 403,075,000 | 406,499,000 | 417,227,000 |
| Total loans | 299,172,000 | 318,425,000 | 319,581,000 | 323,938,000 |
| Allowance for loan losses | 4,051,000 | 4,064,000 | 4,137,000 | 4,163,000 |
| Securities available for sale | 6,525,000 | 6,851,000 | 6,664,000 | 6,645,000 |
| Securities held to maturity | 10,099,000 | 11,265,000 | 10,808,000 | 8,574,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,669,000 | 339,495,000 | 342,826,000 | 351,321,000 |
| Interest-bearing deposits | 312,078,000 | 309,378,000 | 306,830,000 | 308,483,000 |
| Noninterest-bearing deposits | 26,591,000 | 30,117,000 | 35,996,000 | 42,838,000 |
| Equity capital | 57,333,000 | 57,800,000 | 57,898,000 | 60,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,772,000 | 7,807,000 | 11,756,000 | 15,701,000 |
| Interest expense | 1,088,000 | 2,388,000 | 3,738,000 | 5,126,000 |
| Net interest income | 2,684,000 | 5,419,000 | 8,018,000 | 10,575,000 |
| Noninterest income | 155,000 | 445,000 | 811,000 | 4,466,000 |
| Noninterest expense | 2,842,000 | 5,549,000 | 8,545,000 | 11,628,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -3,000 | 315,000 | 284,000 | 3,413,000 |
| Income tax | -8,000 | 74,000 | 52,000 | 948,000 |
| Net income | 5,000 | 241,000 | 232,000 | 2,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,623,000 | 57,861,000 | 57,851,000 | 60,084,000 |
| Total capital | 60,858,000 | 61,325,000 | 61,387,000 | 63,562,000 |
| Risk-weighted assets | 257,984,000 | 276,493,000 | 282,316,000 | 277,564,000 |