Call reports 2013
UNIVERSITY BANK — 2013
What UNIVERSITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 114,706,000 | 121,804,000 | 113,731,000 | 108,899,000 |
| Total loans | 88,533,000 | 95,042,000 | 86,115,000 | 76,911,000 |
| Allowance for loan losses | 1,185,000 | 1,177,000 | 1,023,000 | 968,000 |
| Securities available for sale | 1,590,000 | 1,518,000 | 1,484,000 | 1,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 628,000 | 580,000 | 549,000 | 0 |
| Total deposits | 90,992,000 | 96,129,000 | 90,322,000 | 86,571,000 |
| Interest-bearing deposits | 30,157,000 | 29,162,000 | 27,587,000 | 26,402,000 |
| Noninterest-bearing deposits | 60,835,000 | 66,967,000 | 62,735,000 | 60,169,000 |
| Equity capital | 9,111,000 | 10,418,000 | 10,677,000 | 9,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,105,000 | 2,221,000 | 3,407,000 | 4,480,000 |
| Interest expense | 41,000 | 85,000 | 105,000 | 137,000 |
| Net interest income | 1,064,000 | 2,136,000 | 3,302,000 | 4,343,000 |
| Noninterest income | 7,277,000 | 15,702,000 | 22,042,000 | 27,647,000 |
| Noninterest expense | 7,315,000 | 14,437,000 | 21,258,000 | 28,107,000 |
| Provision for loan losses | 25,000 | 27,000 | 110,000 | 100,000 |
| Pretax income | 1,001,000 | 3,374,000 | 3,976,000 | 3,783,000 |
| Income tax | 341,000 | 1,144,000 | 1,349,000 | 1,937,000 |
| Net income | 515,000 | 1,830,000 | 2,085,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,967,000 | 13,384,000 | 13,719,000 | 13,059,000 |
| Total capital | 12,847,000 | 14,330,000 | 14,589,000 | 13,875,000 |
| Risk-weighted assets | 70,089,000 | 75,429,000 | 69,475,000 | 65,127,000 |