Call reports 2007
UNIVERSITY BANK — 2007
What UNIVERSITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 89,635,000 | 86,832,000 | 84,860,000 | 88,242,000 |
| Total loans | 56,553,000 | 57,468,000 | 58,827,000 | 60,063,000 |
| Allowance for loan losses | 466,000 | 520,000 | 536,000 | 686,000 |
| Securities available for sale | 645,000 | 605,000 | 8,573,000 | 1,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 6,549,000 |
| Total deposits | 80,760,000 | 77,172,000 | 74,744,000 | 78,687,000 |
| Interest-bearing deposits | 73,947,000 | 43,363,000 | 44,166,000 | 43,381,000 |
| Noninterest-bearing deposits | 6,813,000 | 33,809,000 | 30,578,000 | 35,306,000 |
| Equity capital | 5,445,000 | 6,375,000 | 6,355,000 | 6,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,259,000 | 2,501,000 | 3,818,000 | 5,109,000 |
| Interest expense | 385,000 | 812,000 | 1,248,000 | 1,680,000 |
| Net interest income | 874,000 | 1,689,000 | 2,570,000 | 3,429,000 |
| Noninterest income | 1,262,000 | 2,513,000 | 3,463,000 | 4,504,000 |
| Noninterest expense | 1,939,000 | 4,016,000 | 5,960,000 | 8,073,000 |
| Provision for loan losses | 22,000 | 76,000 | 92,000 | 304,000 |
| Pretax income | 175,000 | 110,000 | 59,000 | -355,000 |
| Income tax | 0 | 20,000 | 9,000 | -66,000 |
| Net income | 175,000 | 90,000 | 50,000 | -289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,923,000 | 9,039,000 | 9,031,000 | 8,694,000 |
| Total capital | 8,389,000 | 9,559,000 | 9,567,000 | 9,337,000 |
| Risk-weighted assets | 50,834,000 | 51,277,000 | 51,381,000 | 51,469,000 |