Call reports 2011
UNIVERSITY BANK — 2011
What UNIVERSITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 115,039,000 | 101,139,000 | 119,656,000 | 119,886,000 |
| Total loans | 69,576,000 | 74,698,000 | 85,596,000 | 90,207,000 |
| Allowance for loan losses | 1,580,000 | 1,638,000 | 1,559,000 | 1,269,000 |
| Securities available for sale | 2,915,000 | 2,900,000 | 2,596,000 | 2,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 871,000 | 867,000 | 789,000 | 785,000 |
| Total deposits | 101,925,000 | 87,095,000 | 97,478,000 | 101,539,000 |
| Interest-bearing deposits | 38,220,000 | 37,526,000 | 42,298,000 | 45,025,000 |
| Noninterest-bearing deposits | 63,705,000 | 49,569,000 | 55,180,000 | 56,514,000 |
| Equity capital | 6,828,000 | 6,853,000 | 6,104,000 | 6,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,075,000 | 2,180,000 | 3,311,000 | 4,461,000 |
| Interest expense | 137,000 | 264,000 | 394,000 | 537,000 |
| Net interest income | 938,000 | 1,916,000 | 2,917,000 | 3,924,000 |
| Noninterest income | 3,660,000 | 7,399,000 | 8,482,000 | 12,593,000 |
| Noninterest expense | 4,698,000 | 9,594,000 | 12,268,000 | 17,306,000 |
| Provision for loan losses | 1,000 | 2,000 | 358,000 | 315,000 |
| Pretax income | -105,000 | -281,000 | -1,227,000 | -1,104,000 |
| Income tax | 0 | 0 | 0 | -182,000 |
| Net income | 5,000 | 19,000 | -732,000 | -288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,634,000 | 10,429,000 | 9,629,000 | 9,892,000 |
| Total capital | 11,300,000 | 11,142,000 | 10,432,000 | 10,713,000 |
| Risk-weighted assets | 58,036,000 | 58,456,000 | 63,511,000 | 65,211,000 |