Call reports 2021
UNIVERSAL BANK — 2021
What UNIVERSAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 397,237,000 | 392,293,000 | 383,865,000 | 377,350,000 |
| Total loans | 302,369,000 | 293,168,000 | 293,149,000 | 282,230,000 |
| Allowance for loan losses | 4,351,000 | 4,478,000 | 4,493,000 | 4,507,000 |
| Securities available for sale | 1,696,000 | 1,707,000 | 1,705,000 | 1,777,000 |
| Securities held to maturity | 4,551,000 | 3,757,000 | 3,290,000 | 2,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,329,000 | 289,721,000 | 280,256,000 | 272,207,000 |
| Interest-bearing deposits | 251,018,000 | 248,529,000 | 237,309,000 | 230,479,000 |
| Noninterest-bearing deposits | 39,311,000 | 41,192,000 | 42,947,000 | 41,729,000 |
| Equity capital | 61,315,000 | 61,774,000 | 62,078,000 | 62,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,480,000 | 7,114,000 | 10,523,000 | 13,906,000 |
| Interest expense | 664,000 | 1,169,000 | 1,503,000 | 1,810,000 |
| Net interest income | 2,816,000 | 5,945,000 | 9,020,000 | 12,096,000 |
| Noninterest income | 268,000 | 460,000 | 636,000 | 832,000 |
| Noninterest expense | 2,764,000 | 5,472,000 | 8,328,000 | 11,200,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 320,000 | 933,000 | 1,328,000 | 1,728,000 |
| Income tax | 59,000 | 221,000 | 310,000 | 401,000 |
| Net income | 261,000 | 712,000 | 1,018,000 | 1,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,251,000 | 61,702,000 | 62,008,000 | 62,211,000 |