Call reports 2022
UNIVERSAL BANK — 2022
What UNIVERSAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 370,637,000 | 350,920,000 | 324,983,000 | 334,499,000 |
| Total loans | 276,225,000 | 264,737,000 | 258,786,000 | 264,446,000 |
| Allowance for loan losses | 4,520,000 | 4,525,000 | 4,545,000 | 4,554,000 |
| Securities available for sale | 1,753,000 | 1,483,000 | 1,361,000 | 1,408,000 |
| Securities held to maturity | 2,192,000 | 2,025,000 | 1,872,000 | 1,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,072,000 | 246,241,000 | 218,766,000 | 225,059,000 |
| Interest-bearing deposits | 222,100,000 | 203,228,000 | 173,821,000 | 185,316,000 |
| Noninterest-bearing deposits | 43,972,000 | 43,013,000 | 44,945,000 | 39,743,000 |
| Equity capital | 62,463,000 | 62,551,000 | 62,674,000 | 63,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,040,000 | 6,217,000 | 9,472,000 | 13,007,000 |
| Interest expense | 264,000 | 479,000 | 674,000 | 1,066,000 |
| Net interest income | 2,776,000 | 5,738,000 | 8,798,000 | 11,941,000 |
| Noninterest income | 185,000 | 359,000 | 568,000 | 794,000 |
| Noninterest expense | 2,846,000 | 5,735,000 | 8,729,000 | 11,549,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 362,000 | 637,000 | 1,186,000 |
| Income tax | 7,000 | 41,000 | 106,000 | 241,000 |
| Net income | 108,000 | 321,000 | 531,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,424,000 | 62,638,000 | 62,848,000 | 63,262,000 |