Call reports 2005
UNIVERSITY BANK — 2005
What UNIVERSITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,397,000 | 53,223,000 | 56,538,000 | 63,647,000 |
| Total loans | 44,879,000 | 45,039,000 | 45,518,000 | 47,099,000 |
| Allowance for loan losses | 350,000 | 358,000 | 349,000 | 349,000 |
| Securities available for sale | 1,050,000 | 977,000 | 892,000 | 833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,297,000 | 47,230,000 | 51,909,000 | 56,020,000 |
| Interest-bearing deposits | 45,815,000 | 44,427,000 | 48,651,000 | 53,101,000 |
| Noninterest-bearing deposits | 2,482,000 | 2,803,000 | 3,258,000 | 2,919,000 |
| Equity capital | 3,020,000 | 3,193,000 | 3,222,000 | 4,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 802,000 | 1,618,000 | 2,448,000 | 3,278,000 |
| Interest expense | 219,000 | 459,000 | 736,000 | 1,134,000 |
| Net interest income | 583,000 | 1,159,000 | 1,712,000 | 2,144,000 |
| Noninterest income | 983,000 | 1,775,000 | 2,831,000 | 5,058,000 |
| Noninterest expense | 1,419,000 | 2,818,000 | 4,403,000 | 6,071,000 |
| Provision for loan losses | 15,000 | 17,000 | 17,000 | 17,000 |
| Pretax income | 132,000 | 90,000 | 123,000 | 1,114,000 |
| Income tax | 0 | 0 | 0 | -100,000 |
| Net income | 132,000 | 90,000 | 123,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,298,000 | 3,459,000 | 3,496,000 | 6,595,000 |
| Total capital | 3,648,000 | 3,817,000 | 3,845,000 | 6,944,000 |
| Risk-weighted assets | 37,385,000 | 38,472,000 | 38,147,000 | 42,350,000 |