Call reports 2017
UNIVERSITY BANK — 2017
What UNIVERSITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 235,232,000 | 269,775,000 | 263,830,000 | 226,823,000 |
| Total loans | 121,773,000 | 145,482,000 | 131,164,000 | 119,485,000 |
| Allowance for loan losses | 418,000 | 420,000 | 416,000 | 406,000 |
| Securities available for sale | 682,000 | 674,000 | 640,000 | 628,000 |
| Securities held to maturity | 972,000 | 801,000 | 797,000 | 492,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,061,000 | 231,163,000 | 225,180,000 | 187,395,000 |
| Interest-bearing deposits | 17,705,000 | 17,207,000 | 16,810,000 | 16,703,000 |
| Noninterest-bearing deposits | 179,356,000 | 213,956,000 | 208,370,000 | 170,692,000 |
| Equity capital | 18,851,000 | 19,914,000 | 20,764,000 | 23,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,485,000 | 3,185,000 | 5,054,000 | 6,850,000 |
| Interest expense | 52,000 | 118,000 | 139,000 | 163,000 |
| Net interest income | 1,433,000 | 3,067,000 | 4,915,000 | 6,687,000 |
| Noninterest income | 8,607,000 | 17,886,000 | 26,259,000 | 34,127,000 |
| Noninterest expense | 8,626,000 | 17,798,000 | 26,594,000 | 35,766,000 |
| Provision for loan losses | -8,000 | -2,000 | 168,000 | 153,000 |
| Pretax income | 1,422,000 | 3,157,000 | 4,412,000 | 4,895,000 |
| Income tax | 478,000 | 1,083,000 | 1,514,000 | -545,000 |
| Net income | 911,000 | 1,974,000 | 2,826,000 | 5,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,602,000 | 16,979,000 | 17,919,000 | 19,250,000 |
| Total capital | 15,210,000 | 17,590,000 | 18,526,000 | 20,006,000 |
| Risk-weighted assets | 105,588,000 | 132,889,000 | 153,846,000 | 146,595,000 |