Call reports 2015
UNIVERSITY BANK — 2015
What UNIVERSITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 136,748,000 | 167,524,000 | 161,055,000 | 181,050,000 |
| Total loans | 100,503,000 | 115,986,000 | 100,207,000 | 98,897,000 |
| Allowance for loan losses | 550,000 | 534,000 | 471,000 | 405,000 |
| Securities available for sale | 1,246,000 | 1,237,000 | 1,218,000 | 1,206,000 |
| Securities held to maturity | 0 | 1,243,000 | 1,238,000 | 1,233,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,370,000 | 131,731,000 | 123,344,000 | 152,967,000 |
| Interest-bearing deposits | 21,955,000 | 21,011,000 | 20,808,000 | 20,512,000 |
| Noninterest-bearing deposits | 87,414,000 | 110,720,000 | 102,536,000 | 132,455,000 |
| Equity capital | 11,482,000 | 13,675,000 | 14,379,000 | 14,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,371,000 | 3,651,000 | 4,811,000 |
| Interest expense | 25,000 | 52,000 | 76,000 | 98,000 |
| Net interest income | 1,051,000 | 2,319,000 | 3,575,000 | 4,713,000 |
| Noninterest income | 5,909,000 | 15,221,000 | 21,973,000 | 29,097,000 |
| Noninterest expense | 7,030,000 | 14,090,000 | 21,127,000 | 28,971,000 |
| Provision for loan losses | -116,000 | -133,000 | -197,000 | -314,000 |
| Pretax income | 46,000 | 3,583,000 | 4,618,000 | 5,153,000 |
| Income tax | 16,000 | 1,218,000 | 1,569,000 | 1,785,000 |
| Net income | 82,000 | 2,274,000 | 2,983,000 | 3,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,922,000 | 12,894,000 | 13,724,000 | 13,347,000 |
| Total capital | 11,472,000 | 13,428,000 | 14,195,000 | 13,752,000 |
| Risk-weighted assets | 86,927,000 | 90,790,000 | 83,210,000 | 74,916,000 |