Call reports 2016
UNIVERSITY BANK — 2016
What UNIVERSITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 194,934,000 | 216,976,000 | 247,545,000 | 193,069,000 |
| Total loans | 111,269,000 | 135,447,000 | 136,688,000 | 122,772,000 |
| Allowance for loan losses | 404,000 | 412,000 | 411,000 | 423,000 |
| Securities available for sale | 1,196,000 | 1,185,000 | 1,136,000 | 1,063,000 |
| Securities held to maturity | 1,227,000 | 1,222,000 | 982,000 | 976,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,433,000 | 185,258,000 | 211,394,000 | 156,380,000 |
| Interest-bearing deposits | 20,083,000 | 19,792,000 | 19,912,000 | 18,970,000 |
| Noninterest-bearing deposits | 149,350,000 | 165,466,000 | 191,482,000 | 137,410,000 |
| Equity capital | 13,724,000 | 14,869,000 | 16,381,000 | 17,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,684,000 | 4,160,000 | 5,676,000 |
| Interest expense | 26,000 | 77,000 | 129,000 | 179,000 |
| Net interest income | 1,156,000 | 2,607,000 | 4,031,000 | 5,497,000 |
| Noninterest income | 5,644,000 | 13,592,000 | 22,860,000 | 33,336,000 |
| Noninterest expense | 7,248,000 | 15,118,000 | 23,461,000 | 32,629,000 |
| Provision for loan losses | -1,000 | 3,000 | 0 | 7,000 |
| Pretax income | -447,000 | 1,078,000 | 3,430,000 | 6,197,000 |
| Income tax | -152,000 | 367,000 | 1,166,000 | 2,142,000 |
| Net income | -221,000 | 778,000 | 2,291,000 | 3,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,360,000 | 13,885,000 | 15,347,000 | 15,841,000 |
| Total capital | 12,764,000 | 14,297,000 | 15,757,000 | 16,262,000 |
| Risk-weighted assets | 82,481,000 | 97,416,000 | 102,520,000 | 96,908,000 |