Call reports 2010
UNIVERSITY BANK — 2010
What UNIVERSITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 138,446,000 | 149,894,000 | 153,131,000 | 115,146,000 |
| Total loans | 73,462,000 | 82,165,000 | 93,656,000 | 81,409,000 |
| Allowance for loan losses | 1,225,000 | 1,269,000 | 1,377,000 | 1,648,000 |
| Securities available for sale | 563,000 | 570,000 | 560,000 | 2,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,364,000 | 1,229,000 | 1,000,000 | 965,000 |
| Total deposits | 125,215,000 | 135,563,000 | 136,433,000 | 98,591,000 |
| Interest-bearing deposits | 41,062,000 | 51,833,000 | 48,374,000 | 40,016,000 |
| Noninterest-bearing deposits | 84,153,000 | 83,730,000 | 88,059,000 | 58,575,000 |
| Equity capital | 7,225,000 | 6,987,000 | 7,193,000 | 6,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,090,000 | 2,270,000 | 3,470,000 | 4,705,000 |
| Interest expense | 188,000 | 408,000 | 574,000 | 747,000 |
| Net interest income | 902,000 | 1,862,000 | 2,896,000 | 3,958,000 |
| Noninterest income | 2,775,000 | 5,537,000 | 9,837,000 | 15,770,000 |
| Noninterest expense | 3,803,000 | 7,889,000 | 12,634,000 | 18,464,000 |
| Provision for loan losses | -276,000 | -284,000 | -202,000 | 939,000 |
| Pretax income | 144,000 | -204,000 | 297,000 | 316,000 |
| Income tax | 0 | 0 | 0 | 138,000 |
| Net income | 171,000 | -33,000 | 174,000 | -233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,816,000 | 10,460,000 | 10,951,000 | 10,785,000 |
| Total capital | 11,519,000 | 11,191,000 | 11,760,000 | 11,519,000 |
| Risk-weighted assets | 54,985,000 | 58,219,000 | 66,152,000 | 61,454,000 |
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