Call reports 2012
UNIVERSITY BANK — 2012
What UNIVERSITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 124,641,000 | 135,761,000 | 129,610,000 | 134,003,000 |
| Total loans | 82,810,000 | 98,429,000 | 103,936,000 | 98,568,000 |
| Allowance for loan losses | 1,013,000 | 650,000 | 1,161,000 | 1,158,000 |
| Securities available for sale | 2,147,000 | 2,122,000 | 2,088,000 | 1,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 749,000 | 737,000 | 696,000 | 662,000 |
| Total deposits | 110,422,000 | 105,787,000 | 100,647,000 | 112,191,000 |
| Interest-bearing deposits | 47,367,000 | 45,231,000 | 37,939,000 | 30,654,000 |
| Noninterest-bearing deposits | 63,055,000 | 60,556,000 | 62,708,000 | 81,537,000 |
| Equity capital | 7,253,000 | 8,163,000 | 8,796,000 | 8,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,192,000 | 2,336,000 | 3,666,000 | 4,871,000 |
| Interest expense | 68,000 | 95,000 | 122,000 | 156,000 |
| Net interest income | 1,124,000 | 2,241,000 | 3,544,000 | 4,715,000 |
| Noninterest income | 5,582,000 | 11,799,000 | 18,899,000 | 27,725,000 |
| Noninterest expense | 5,860,000 | 11,544,000 | 18,134,000 | 25,858,000 |
| Provision for loan losses | 71,000 | 587,000 | 1,373,000 | 1,395,000 |
| Pretax income | 775,000 | 1,909,000 | 2,936,000 | 5,187,000 |
| Income tax | 0 | 0 | 107,000 | 1,956,000 |
| Net income | 389,000 | 1,286,000 | 1,913,000 | 2,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,643,000 | 11,801,000 | 12,737,000 | 11,365,000 |
| Total capital | 11,521,000 | 12,451,000 | 13,722,000 | 12,362,000 |
| Risk-weighted assets | 70,105,000 | 75,855,000 | 78,642,000 | 79,558,000 |