Call reports 2018
UNIVERSITY BANK — 2018
What UNIVERSITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 255,647,000 | 294,888,000 | 265,660,000 | 246,378,000 |
| Total loans | 117,706,000 | 151,152,000 | 123,637,000 | 116,047,000 |
| Allowance for loan losses | 400,000 | 390,000 | 371,000 | 387,000 |
| Securities available for sale | 611,000 | 597,000 | 571,000 | 417,000 |
| Securities held to maturity | 489,000 | 2,889,000 | 11,348,000 | 11,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,524,000 | 253,632,000 | 225,533,000 | 206,299,000 |
| Interest-bearing deposits | 15,468,000 | 15,961,000 | 15,537,000 | 19,674,000 |
| Noninterest-bearing deposits | 203,056,000 | 237,671,000 | 209,997,000 | 186,625,000 |
| Equity capital | 22,991,000 | 23,497,000 | 24,680,000 | 24,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 4,089,000 | 6,791,000 | 9,357,000 |
| Interest expense | 46,000 | 86,000 | 133,000 | 184,000 |
| Net interest income | 1,880,000 | 4,003,000 | 6,658,000 | 9,173,000 |
| Noninterest income | 8,358,000 | 17,533,000 | 26,056,000 | 32,830,000 |
| Noninterest expense | 9,307,000 | 19,572,000 | 29,155,000 | 38,905,000 |
| Provision for loan losses | -12,000 | -212,000 | -236,000 | -226,000 |
| Pretax income | 943,000 | 2,176,000 | 3,795,000 | 3,324,000 |
| Income tax | 193,000 | 456,000 | 797,000 | 767,000 |
| Net income | 662,000 | 1,583,000 | 2,767,000 | 2,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,424,000 | 18,576,000 | 19,263,000 | 18,808,000 |
| Total capital | 19,163,000 | 19,322,000 | 19,942,000 | 19,363,000 |
| Risk-weighted assets | 139,284,000 | 144,618,000 | 118,670,000 | 114,410,000 |