Call reports 2009
UNIVERSITY BANK — 2009
What UNIVERSITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 149,497,000 | 148,701,000 | 125,574,000 | 133,720,000 |
| Total loans | 100,891,000 | 76,307,000 | 84,277,000 | 81,614,000 |
| Allowance for loan losses | 786,000 | 787,000 | 901,000 | 1,203,000 |
| Securities available for sale | 1,054,000 | 1,047,000 | 1,057,000 | 556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 4,522,000 | 4,234,000 | 1,548,000 | 1,513,000 |
| Total deposits | 131,418,000 | 136,244,000 | 110,871,000 | 118,209,000 |
| Interest-bearing deposits | 53,817,000 | 61,134,000 | 41,720,000 | 49,120,000 |
| Noninterest-bearing deposits | 77,602,000 | 75,110,000 | 69,151,000 | 69,089,000 |
| Equity capital | 7,348,000 | 7,093,000 | 7,065,000 | 7,040,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,647,000 | 3,948,000 | 5,185,000 |
| Interest expense | 343,000 | 581,000 | 798,000 | 983,000 |
| Net interest income | 1,083,000 | 2,066,000 | 3,150,000 | 4,202,000 |
| Noninterest income | 3,859,000 | 8,759,000 | 12,350,000 | 16,772,000 |
| Noninterest expense | 3,561,000 | 8,495,000 | 12,677,000 | 17,171,000 |
| Provision for loan losses | 243,000 | 793,000 | 968,000 | 1,539,000 |
| Pretax income | 1,260,000 | 1,672,000 | 2,011,000 | 2,430,000 |
| Income tax | -232,000 | -233,000 | -231,000 | -187,000 |
| Net income | 1,003,000 | 745,000 | 698,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,508,000 | 10,804,000 | 11,127,000 | 11,458,000 |
| Total capital | 11,294,000 | 11,564,000 | 11,805,000 | 12,127,000 |
| Risk-weighted assets | 73,687,000 | 60,026,000 | 54,721,000 | 56,332,000 |