Call reports 2021
UNIVERSITY BANK — 2021
What UNIVERSITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 658,534,000 | 700,843,000 | 690,883,000 | 489,999,000 |
| Total loans | 304,938,000 | 296,000,000 | 312,910,000 | 335,805,000 |
| Allowance for loan losses | 4,000,000 | 4,000,000 | 3,651,000 | 3,677,000 |
| Securities available for sale | 310,000 | 305,000 | 300,000 | 294,000 |
| Securities held to maturity | 2,670,000 | 5,672,000 | 6,124,000 | 6,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,074,000 | 583,845,000 | 568,799,000 | 362,764,000 |
| Interest-bearing deposits | 20,987,000 | 23,911,000 | 18,327,000 | 17,971,000 |
| Noninterest-bearing deposits | 517,087,000 | 559,934,000 | 550,472,000 | 344,794,000 |
| Equity capital | 55,428,000 | 59,552,000 | 62,640,000 | 62,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,053,000 | 5,754,000 | 8,820,000 | 12,089,000 |
| Interest expense | 43,000 | 88,000 | 134,000 | 179,000 |
| Net interest income | 3,010,000 | 5,666,000 | 8,686,000 | 11,910,000 |
| Noninterest income | 31,924,000 | 64,165,000 | 95,685,000 | 121,300,000 |
| Noninterest expense | 24,122,000 | 48,818,000 | 73,687,000 | 97,816,000 |
| Provision for loan losses | -6,000 | -11,000 | -365,000 | -344,000 |
| Pretax income | 10,818,000 | 21,024,000 | 31,049,000 | 35,738,000 |
| Income tax | 2,274,000 | 4,421,000 | 6,522,000 | 7,519,000 |
| Net income | 7,805,000 | 15,150,000 | 22,314,000 | 25,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,276,000 | 57,190,000 | 56,987,000 | 53,824,000 |