Call reports 2019
UNIVERSITY BANK — 2019
What UNIVERSITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 266,905,000 | 325,631,000 | 383,187,000 | 357,751,000 |
| Total loans | 120,217,000 | 179,564,000 | 244,917,000 | 202,298,000 |
| Allowance for loan losses | 585,000 | 671,000 | 629,000 | 638,000 |
| Securities available for sale | 389,000 | 363,000 | 353,000 | 347,000 |
| Securities held to maturity | 11,032,000 | 13,621,000 | 11,958,000 | 10,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,600,000 | 277,411,000 | 322,418,000 | 300,487,000 |
| Interest-bearing deposits | 15,457,000 | 14,037,000 | 12,786,000 | 11,995,000 |
| Noninterest-bearing deposits | 205,143,000 | 263,374,000 | 309,632,000 | 288,492,000 |
| Equity capital | 23,619,000 | 24,341,000 | 27,613,000 | 29,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 5,427,000 | 8,841,000 | 12,523,000 |
| Interest expense | 47,000 | 96,000 | 142,000 | 187,000 |
| Net interest income | 2,395,000 | 5,331,000 | 8,699,000 | 12,336,000 |
| Noninterest income | 9,958,000 | 24,434,000 | 41,120,000 | 57,119,000 |
| Noninterest expense | 13,098,000 | 29,475,000 | 46,626,000 | 64,180,000 |
| Provision for loan losses | 192,000 | 325,000 | 282,000 | 285,000 |
| Pretax income | -937,000 | -35,000 | 2,910,000 | 4,990,000 |
| Income tax | -197,000 | -7,000 | 611,000 | 1,071,000 |
| Net income | -650,000 | 72,000 | 2,345,000 | 3,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,101,000 | 19,468,000 | 23,067,000 | 24,331,000 |
| Total capital | 18,853,000 | 20,353,000 | 23,892,000 | 25,177,000 |
| Risk-weighted assets | 128,001,000 | 171,567,000 | 201,602,000 | 173,659,000 |