Call reports 2006
UNIVERSITY BANK — 2006
What UNIVERSITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 62,395,000 | 66,812,000 | 65,632,000 | 87,359,000 |
| Total loans | 48,465,000 | 48,548,000 | 50,163,000 | 52,879,000 |
| Allowance for loan losses | 572,000 | 573,000 | 473,000 | 466,000 |
| Securities available for sale | 777,000 | 727,000 | 709,000 | 672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,624,000 | 59,035,000 | 57,013,000 | 78,885,000 |
| Interest-bearing deposits | 50,980,000 | 55,320,000 | 52,331,000 | 73,797,000 |
| Noninterest-bearing deposits | 3,645,000 | 3,715,000 | 4,682,000 | 5,088,000 |
| Equity capital | 4,340,000 | 4,598,000 | 5,282,000 | 5,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 914,000 | 1,895,000 | 2,835,000 | 4,061,000 |
| Interest expense | 274,000 | 604,000 | 906,000 | 1,295,000 |
| Net interest income | 640,000 | 1,291,000 | 1,929,000 | 2,766,000 |
| Noninterest income | 1,234,000 | 2,503,000 | 4,088,000 | 5,198,000 |
| Noninterest expense | 1,618,000 | 3,281,000 | 4,935,000 | 6,884,000 |
| Provision for loan losses | 220,000 | 220,000 | 122,000 | 153,000 |
| Pretax income | 36,000 | 293,000 | 960,000 | 929,000 |
| Income tax | 7,000 | 0 | 0 | -20,000 |
| Net income | 29,000 | 293,000 | 960,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,654,000 | 6,946,000 | 7,654,000 | 7,681,000 |
| Total capital | 7,193,000 | 7,500,000 | 8,127,000 | 8,147,000 |
| Risk-weighted assets | 42,312,000 | 43,567,000 | 42,115,000 | 48,549,000 |